In modern societies, loans have become part of people ' s lives. Whether it be home-purchase loans, car loans or personal consumption loans, many people need to borrow at different stages. The question that follows is whether all the information on the loan can be found in the letter. Let us analyse from multiple angles。

Can you see all the loans

First of all, we want to be clear about what letters of call are. Letters of call are used to assess an individual ' s credit position and capacity by collecting, collating and analysing individuals ' credit information. Information on loans is usually recorded in letters-of-mail reports and includes not only basic personal information, but also personal credit records, overdue cases, etc。

However, while the letter-writing report may reflect the creditworthiness of the individual, it does not mean that all loan information can be found in the letter-checking. First, the letter-in-writing reports are recorded according to the scope of the individual ' s mandate. For certain loan information, an individual may choose not to authorize, and such loan information will not be available in the letter-of-assist report。

Second, different institutions may have different credit information records. Many people know only that there is a system of letters from the People ' s Bank of China, but in practice financial institutions such as major banks, credit card companies and others also have their own institutions, and some loan information may be recorded only in specific institutions and not in other institutions。

In addition, information on loans borrowed by individuals through non-financial institutions or individuals is not necessarily recorded in letters of credit reports. As these lending activities are not regulated and recorded by financial institutions, the information is not available to the letter-receiving institutions, which makes it impossible to present the relevant loan information in the letter-receiving reports。

IN THE LIGHT OF THE ABOVE, THE LETTERS OF INQUIRY DO NOT ALLOW 100% TO SEE ALL THE INFORMATION ON THE LOAN. INFORMATION ON INDIVIDUAL LOANS SHOWS THAT THEY ARE CLOSELY LINKED TO FACTORS SUCH AS THE SCOPE OF THE INDIVIDUAL ' S MANDATE, THE DIFFERENCES IN THE INSTITUTIONS THAT CALL FOR CREDIT AND THE WAY IN WHICH THE LOANS ARE MADE. THEREFORE, IN THE CASE OF INDIVIDUAL LOANS, THERE IS A NEED TO CONSIDER THE DIFFERENT SITUATIONS IN A COMPREHENSIVE MANNER, IN ADDITION TO THE LETTERS OF INQUIRY REPORT。