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借款企业信用状况的优劣,是金融机构决定是否对其发放贷款的重要依据。据对人行某县支行的调查,该支行于1996年4月1日起实行了贷款证制度,1999年11月建立起银行信贷登记咨询系统,此项目初步建成后,为各金融机构考察借款企业的信用状况提供了方便条件和详细资料。但是,该支行在对金融机构现场检查时,发现大部分金融机构对此系统利用不够,对
The pros and cons of the credit status of a borrower is an important basis on which a financial institution decides whether or not to issue a loan to it. According to a survey of a county branch of the PBOC, the sub-branch implemented the loan certificate system on April 1, 1996 and the bank credit registration consultation system was established in November 1999. After the project is initially completed, it will examine the loan-making enterprises Credit status provides convenient conditions and details. However, during the on-site inspection of financial institutions, the branch found that most financial institutions did not make enough use of the system.