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【学习看征信报告的工作笔记】

  • 2026-07-09 12:55:17
【学习看征信报告的工作笔记】

纸质的征信报告结构手抄学习版

记住以下框架，征信页数再多也能从从容容，直指关键。

一、个人基本信息

1. 身份信息

2. 配偶

3. 居住

4. 职业

二、信息概要

1. 信贷交易信息

2. 授信及负债信息

3. 贷记类账户信息

4. 个人担保

三、信贷交易信息明细

1. 单笔贷款账户（历史）

2. 循环贷历史

3. 信用卡及历史

4. 授信协议

四、贷款查询

1. 贷款审批

2. 信用卡审批

3. 担保资格查询

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  3. 缓存信息 : 0 reads,0 writes
  4. 会话信息 : SESSION_ID=fd8ab4baa7a44532202142f67208f784
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  1. CONNECT:[ UseTime:0.000719s ] mysql:host=127.0.0.1;port=3306;dbname=b_15386;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000791s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.020004s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.005291s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000673s ]
  6. SELECT * FROM `set` [ RunTime:0.000771s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000620s ]
  8. SELECT * FROM `article` WHERE `id` = 498705 LIMIT 1 [ RunTime:0.001120s ]
  9. UPDATE `article` SET `lasttime` = 1784422701 WHERE `id` = 498705 [ RunTime:0.008939s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000240s ]
  11. SELECT * FROM `article` WHERE `id` < 498705 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.001424s ]
  12. SELECT * FROM `article` WHERE `id` > 498705 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000691s ]
  13. SELECT * FROM `article` WHERE `id` < 498705 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.002825s ]
  14. SELECT * FROM `article` WHERE `id` < 498705 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.000936s ]
  15. SELECT * FROM `article` WHERE `id` < 498705 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.001269s ]
0.117112s