Legal analysis: 1. Banks clearly stipulate that industries prohibited by law, such as gambling drugs, illegal and criminal industries, illegal pyramid schemes, escort public relations industries, unlicensed mobile vendors, etc., are all types rejected by banks.
2. Individual sensitive industries, such as employees of financial institutions, journalists of news media, law firm industry, public security law of urban management law enforcement team, customs fire protection, etc.
3. Institutions related to the financial industry, such as collection companies, P2P companies, companies, guarantee companies, investment consulting companies and loan intermediaries.
4. The company or enterprise employed by the borrower must have a formal business license. If it is found that there is no qualification certificate, it is easy to be rejected.
5. Real estate agent.
6. Entertainment industries, such as KTV, bars, nightclubs, baths, foot baths, clubs, folk skin care shops, nail shops, tattoo shops, Internet cafes, game halls, gyms, etc.
7. Direct selling enterprises not approved by the Ministry of Commerce, except Amway, Unlimited and other direct selling enterprises approved by the Ministry of Commerce.
8, engineering installation, construction engineering.
Legal basis: Article 30 of the Law of the People's Republic of China on the People's Bank of China stipulates that the People's Bank of China shall not provide loans to local governments and government departments at all levels, nor to non-bank financial institutions and other units and individuals, except that the State Council decides that the People's Bank of China may provide loans to specific non-bank financial institutions.
The People's Bank of China shall not provide guarantee to any unit or individual.
Can I borrow money from a commercial bank that prohibits receiving credit information?
You can't. The ban on credit information means that borrowers have entered the blacklist of banks and cannot apply for loans. Under normal circumstances, the bad records of the credit information system are only kept for 2 years at most, which means that if there are no bad records within 2 years, you will be removed from the blacklist, which means that the credit information system will be readjusted. The details are subject to official news.
What does it mean that other banks have not entered the credit information? Emergency solution
The prohibition of credit card credit investigation means that the credit report has a bad record and is blacklisted by the bank, so you can no longer apply for credit cards or loans.
You can go to the bank for cancellation (you need to keep a good record for 24 months):
1. Submit the applicant's personal data and inquire about the personal credit report;
2. Apply for an objection in the bank after raising an objection to personal credit;
3. Fill in the Application Form for Objection to Personal Credit Report, and then the submitting bank will submit a corrected personal credit report;
4. Wait for the personal credit report objection reply from the credit reporting department. If the credit is good during the period, it will be settled within 5 working days.
First, the central bank credit blacklist
Strictly speaking, there is no such "bank blacklist", but the auditing standards of banks are different every month. After credit inquiry, it is found that the borrower is overdue, and after evaluating factors such as frequency, amount and time, it is decided whether to approve or not.
For those records that are overdue for too many times and with a large amount, basically all banks will refuse to lend. This is the so-called blacklist I suggest you contact the credit manager directly to explain your situation and see if you can apply successfully.
Inquiry method: log in to the online personal credit inquiry system of the People's Bank of China to inquire-verify personal information-submit an application-enter the identity verification code to view the electronic credit report.
Second, private credit reporting agencies.
In the current online lending industry, there are many private credit agencies, such as Sesame Credit, Xiaobaifen, Tencent Credit and Qianhai Credit. Sesame Credit is the most widely used and well-known credit rating. Many online loans will authorize Sesame Credit, so that you can get the rating quickly or enjoy better service.
Sesame blacklist refers to people with scores below 550. More than 550 points are basically qualified, more than 600 points are good, 650-700 points are excellent, and 700 points are excellent!
Inquiry method: Alipay APP- Sesame Credit
Third, the list of people who have lost their trust.
Commonly known as "Lao Lai", if someone refuses to repay because the economy is judged by others, then he may be included in this list, which will not only restrict a series of high consumption and travel, but also lead to the inability to handle banking business, which is quite inconvenient and will only be deleted from this blacklist after fulfilling his obligations.
Inquiry method: Supreme People's Network-the person who has broken the trust-enter the name and ID card to inquire.
Fourth, the bank's credit information
This is the first comprehensive credit information center in China, and it has joined many private credit information institutions such as Sesame Credit, Tencent Credit Information, Qianhai Credit Information, Koala Credit Information, Peng Yuanzheng Credit Information, China Chengxin Credit Information, China Zhicheng Credit Information, etc. It will play a greater role in the credit information system in the future.