When applying for enterprise small and micro loans, cloud tax loans, tax loans, etc. of China Construction Bank, the account manager said that the enterprise judicial verification information did not pass. This is because the internal system of China Construction Bank has added judicial thresholds for enterprises. Any legal disputes, whether it is the plaintiff or the defendant, or whether the lawsuit wins or loses, will have an impact. During the review, there will be problems such as judicial hits, judicial verification failure, administrative penalties or environmental protection penalties, etc. That's because China Construction Bank has launched its own external data smart check system to review the credit status of loan companies.
China Construction Bank's external data wisdom check integrates externally disclosed enterprise data, mainly including: enterprise basic information, risk information, intellectual property rights, movable property mortgage information, annual report information, etc.; it can detect abnormal business status, unlimited high breach of trust, whether there are outstanding cases and punishment records, tax arrears records and other information. Its data mainly come from: National Enterprise Credit Information Disclosure System , Credit China, China Judgment Document Network, People's Court Announcement Network, Civil Affairs System, Tax System, Green Network (Environmental Penalty), Intellectual Property Office, etc. The external data wisdom check is widely used in the actual work of CCB : pre-loan review "one-click physical examination", in-loan approval "one-click due diligence", and post-loan management "one-click monitoring".
When the external data search result is "not passed"? Generally, if the enterprise has judicial litigation records, such as judgment documents, court announcements, court announcements, execution records, record of high-level breach of trust, final case, etc., there are administrative penalties, environmental protection penalties, tax arrears records, procurement blacklists, abnormal business operations, serious violation records, etc., the external data search will show that the red failure is not passed. Then CCB may not be able to issue loans or project evaluations to you, and will not even open public account for you.
More strange is that enterprises have deleted the original records in the national disclosure system such as the National Enterprise Credit Information Disclosure System, China Judgment Document Network, Credit China and other websites. The records can also be checked by external data and smart check. We found that there is such an evaluation on the Internet: "This external data and smart check is not very good. Our company's judicial documents and administrative penalties were deleted from China Judgment Document Network, Qichacha, and Credit China. When I went to CCB to make a loan, the external data and smart check also had judicial records and administrative penalty records. In the end, I had to find a way to delete the external data and smart check. It was really a scam and delayed time!" It can be seen that the external data smart check system is not updated in real time, and may not even be updated. It specifically accumulates historical data to examine customer risks.
Without number smart check is the internal system of CCB and cannot be used by non-CCB employees. The following results will appear in one-click physical examination for external number checks:
Note: The above picture is the physical examination results after deleting the judicial documents, the person subject to execution, and administrative penalties through Beijing Liben’s beautiful credit repair service. If these records are present, the physical examination will show failure or high risk, and the result will be red.
So how can we pass the review of the one-click physical examination of the external data search? How to delete the bad records on the external data search? The specific operation process is as follows:
First, we must delete the bad records from the National Enterprise Credit Information Disclosure System, Credit China, China Judgment Document Network, People's Court Announcement Network, Tax System, Green Network (Environmental Penalty), Intellectual Property Office and other national public notice websites. Secondly, we must delete the bad records from the National Enterprise Credit Information Disclosure System, Credit China, China Judgment Document Network, People's Court Announcement Network, Tax System, Green Network (Environmental Penalty), Intellectual Property Office and other national disclosure websites. Secondly, we must delete the records of the external data search. This is a complex and huge project, with very few service institutions with ability and experience. In the past two or three years, we have found that this credit service in Beijing, Liben Meihao Credit Company, has achieved gratifying results, and helped the company delete the bad records on the Weishuhui Check. The company is also a member of the Beijing Credit Association and is an unicorn enterprise in the field of credit repair.
