What are the four aspects of basic personal information in a personal credit report?

The first is to tell the commercial bank "who you are", that is, basic personal information, including personal identity information, residence information, occupation information, etc. Remind you to fill in your basic personal information accurately and update your basic information in a timely manner when handling banking business, so that commercial banks can make quick and accurate judgments on you. The second is to tell the commercial bank your credit history.

Including personal loan information (loan amount, loan term, repayment records, etc.), credit card information (credit limit, repayment records, etc.), and information on the loan guarantee for others (guarantee amount, actual loan balance of the guarantor, etc.). The third is the query record, that is, which institutions have conducted the query and when.

With the advancement of the construction of the database, information related to personal credit in other fields will also be collected, such as social security, housing provident fund, court civil judgments, tax arrears, and information on arrears of public utilities such as water, electricity, gas, and **.

At present, personal credit reports are mainly used for various consumer credit businesses of banks.

With the continuous improvement of the social credit system, credit reports will be more widely used in various fields such as commercial credit sales, credit transactions, and recruitment and job search.

Answer]: A, B, C, D, fluid limb e

At present, the online personal credit report is a new version of the personal credit report released by the People's Bank of China on August 1, 2012, which includes five parts: personal basic information, information summary, credit transaction information, public information, and inquiry records.

In short, a personal credit report is an individual's financial identity card, which is the individual's financial identity card. The personal credit report records the individual's credit information, mainly including: personal basic information, credit information (whether there is a bank loan, whether there is an overdue, credit card overdraft record, etc.), non-bank information (water, electricity, gas and other public utility payment information, tax arrears, civil judgments, etc.).

This information will affect the lending behavior of individuals in the financial institutions. For example, when applying for a personal mortgage, the bank needs to look at the credit report, and if the credit status is good, it may get a discount, while if it has an overdue record, it may have to raise the price, or even fail to get a loan. You can inquire online or on-site at the inquiry outlets.

The personal credit report contains the identity information verification results, basic personal information, bank credit transaction information, non-bank credit information, personal statement, objection marking and query history information.

1. The results of the identity information verification of the Ministry of Public Security:

The identity information verification service objects are mainly ** departments, enterprises and institutions, and there have been ** departments, financial regulators, banks, personal credit, notarization and other industries have used this service, and the number of industry users has reached more than 1,100.

At present, the service has played a huge role in preventing and reducing the illegal crime of counterfeiting fraud, and reducing the economic losses caused by false identity fraud in various industries.

2. Basic personal information:

Basic information includes basic personal information such as name, gender, age, ID number, ** number, email address and home address, etc., and sometimes even includes relatively private personal basic information such as marriage, beliefs, occupation, workplace, income, etc.

3. Bank credit transaction information:

The form of international credit can be divided into four answers: international business credit, international bank credit, international bond credit and ** credit.

Commercial credit has a property nature, that is to say, it is a kind of materialized credit, an important criterion to measure the degree of credit of a commercial entity is the amount of property it owns, therefore, China's company law has established a strict statutory capital system, which aims to maintain and protect the property basis of commercial credit in commercial activities.

4. Non-bank credit information:

The lack of a system for the collection of non-bank information guarantees that the inclusion of non-bank information in the credit reporting system not only involves the rights and privacy of the information subject, but also involves the responsibilities and obligations of relevant departments, which is obviously beyond the constraints of the "Credit Reporting Industry Management Article" and the scope of the People's Bank of China's grasp.

5. My statement and objection marking:

1. I declare:

Generally, when the objecting applicant has different opinions on the objection reply or believes that there are special circumstances that need to be explained, the Credit Information Center of the People's Bank of China allows the objecting applicant to make a personal statement within 100 words of the notes to the relevant objection information, that is, his own statement.

2. Objection marking:

Adding an objection to the disputing applicant's credit report indicates that there may be incorrect information in the personal credit report. Before the opposition is processed, the content of the record indicated by the opposition mark may be correct or incorrect.

6. Query historical information:

Enter the People's Bank of China Credit Information Center**, register and log in to the Personal Credit Information Service Platform to inquire about personal credit reports. If it says that you can't register, it means that you don't have a credit history yourself, which is the so-called white account. Or go to the local People's Bank of China business outlets, but offline inquiries are only available twice a year for free.

The detailed information in the personal credit report mainly refers to the specific information of the credit limit, each use (overdraft) and repayment of each credit card (including credit cards and credit cards) in the credit transaction information; Specific information such as the amount of each liquid loan and the repayment status of each loan.

The former reflects the use of each credit card of an individual, while the latter reflects the relevant situation of each loan of an individual.

The main users of the central bank's credit information system are financial institutions, which are connected to the headquarters of commercial banks and other financial institutions through special lines, and extend the terminal to the business counters of credit officers of commercial bank branches through the intranet system of commercial banks. At present, the information of the credit information system is mainly commercial banks and other financial institutions, and the information included includes the basic information of enterprises and individuals, the credit information of loans and guarantees in financial institutions, as well as the main financial indicators of enterprises.