银行对借款人的信用评估依据是什么？-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	银行对借款人的信用评估依据是什么？
释义	法律分析：银行的信用评估一般考虑借款人的还款历史、个人信用报告、收入和职业等因素，并根据不同的因素进行综合评估。银行有权根据自己的判断，决定是否给予贷款。法律依据：《中华人民共和国合同法》第三十六条当事人订立合同，应当遵循自愿、平等、诚实、信用的原则。第二百零三条借款人应当按照合同的约定还款。第二百零四条借款人不按照合同的约定还款的，应当支付违约金；对逾期还款的，应当支付逾期利息。银行可以采取必要的方式催收借款。
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