In credit times
Individual ask forring believes a report
Matter to the personal interest of every consumer
The individual after new edition asks for letter report to come on stage " black history " very will difficult by " erasure "Does mother-in-law carry husband to still be used see car and room?
That with respect to OUT
Will try new edition individual to ask for a letter to report
Can let you know a person in the round more!
Individual of Central Bank new edition asks for letter report to collect information general more refine, more comprehensive, more essence of life is accurate. People is in daily life should more the attention maintains individual credit, when because become,application borrows money, no matter be the room is borrowed, the car is borrowed or consumption borrows money, financial orgnaization great majority can examine an individual to ask for a letter to report first. Ask for letter report to once keep negative record,go up, may obtain to credit batch cause an effect.
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"Tear open east the wall fills on the west wall " ,
Raise card in order to get stuck,
After producing serious violate a treaty, sell door come " wash white " ...
These not sincere letter behavior
Produce the likelihood more serious consequence
As we have learned, chinese people bank asks for letter center to already tried run new edition individual to ask for a letter to report, will go up formally possibly at the near future line. At the appointed time, afore-mentioned right breaking one's promise the bind of behavior will be more severe.
Does individual of Central Bank new edition ask for letter report and old edition what to difference there is? Does the report that sign a letter upgrade what effect can you produce to individual life? How to protect good individual information? Around these problems, the reporter covered the expert inside course of study and learned man.
The dimension that sign a letter is spent more diversity
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"From look at present, new edition asks for letter report to try move relatively ideal, did not appear bigger question. Integral content and column are trying moving phase to should change not quite, the condition that runs according to trying on a few small issues at most undertakes editing accordingly. " He Naye of researcher of engage by special arrangement of academy of Su Ning finance tells a reporter.
He Naye expresses, the individual asks for a letter to data is updated and be built is a thing that has difficulty quite, need gives full cooperation with all possible means. Accordingly, central Bank ask forring believes a center to roll out new edition to sign letter report, it is a course for certain after a lot of consideration, make the decision that give cautiously.
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On one hand, go a few years, construction of infrastructure of national information system obtained great progress, already realized countrywide couplet net and interconnection each other to connect in a lot of respects, important information puts in the individual 's charge collect becomes a possibility; On the other hand, in last few years, the development of science and technology of Internet finance, finance, allow individual information more hasten is perfect, the dimension that sign a letter is spent had diversity base. In the meantime, progress of new period economy believed a report to raise new requirement to individual ask forring. How more effective, more comprehensive, more essence of life reflects individual credence condition definitely, how fast compose builds a perfect and efficient credit society, it is current and important to make the trade that sign a letter the task.
So, does new edition individual sign a letter are report and old edition the biggest different where? He Naye discloses, can generalize for 3 big change, namely more refine, more comprehensive, more essence of life is accurate.
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It is above all more refine. New edition individual asks for a letter to report, individual information will more refine. Divide old edition individual besides basic message, information of new edition individual will be more complete, still can examine conjugal information. In the meantime, professional information is more complete also, information content and resume of individual to apply for a job comparative. More refined information, will make individual credence circumstance more be clear at a glance.
It is more comprehensive next. New edition individual asks for a letter to report, dimension is spent more more rich, comprehensive. For instance, reimbursement record is lengthened to 5 years, will record information of detailed reimbursement information, exceed the time limit; Increase reimbursement amount newly, exceed the time limit or overdraw the forehead also comes to mark outpour. Divide leasehold outside waiting for financial information, new edition asks for a letter to will bring into more extensive information, if pay of telegraphic business, tap water business expends a circumstance, owe carry out duty, civil ruling, compulsively, administrative punishment, low protect deliverance, hold the information such as job seniority and administrative award.
Such, the report that sign a letter can reflect credit condition of the individual more, the public letter power that enhances an individual to ask for a letter to report and actual application are spent, this also is new edition individual the report that sign a letter and old edition report are the biggest different.
Finally is more essence of life is accurate. The individual information of new edition more refine and comprehensive, make individual credit OK receive more real report, the credit management of financial orgnaization will become have specific aim more, risk management more essence of life is accurate, can reduce credit risk effectively.
With daily life be closely bound up
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Can say, new edition individual asks for a letter to report the information in covered the square respect range that people lives. In anyplace break one's promise, may be asked for to believe report on record by new edition individual. When the individual applies for loan, no matter be the room is borrowed, the car is borrowed or consumption borrows money, financial orgnaization great majority can examine an individual to ask for a letter to report first. Accordingly, ask for letter report to once keep negative record,go up, may affect credit to obtain batch.
Still market personage compares discovery, "The divorce buys a room to will become the past afternoon in the morning " . The letter is signed in old edition in the report, both sides of hypothesis husband and wife is collective reimbursement, the man advocate borrow, so woman ask forring is not reflected in letter report indebted; And new edition signs a letter in the report, as collective borrower, husband and wife all can be reflected in the bilateral report that sign a letter indebted.
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"Now, many cities are carried out when 2 flatlet are maintained ' identify a room again borrow ' policy, if husband and wife is bilateral indebted record appears in the report that sign a letter, so both sides of husband and wife has bought a house, after divorcing in the future, blame advocate borrow a person to buy a room to will still be maintained to the room is borrowed again, meet what cannot enjoy a flatlet is low head pay, the favourable policy of low interest rate. " a market personage says.
"If expend water the circumstance such as pay to be recorded inside, I feel to had been held out, the data that collects a letter to cover so, collection dimension is spent more more much, wide, conduce to the judgement of more comprehensive ground, sincere letter level that evaluates a person and credit circumstance. " Dong Ximiao of assistant dean of academy of finance of heavy this world of Chinese people university expresses when accepting a reporter to interview, ask for letter big data to be about data is enough much, enough big, such talent are enough more stereo depict a person and even a sincere letter level of the society.
He Naye thinks likewise, new edition asks for letter report to be able to produce the effect of outbalance to the individual. He reminds say, the individual wants special attention in daily life credit circumstance of the individual. From the point of the angle of social government, compose is built " one place breaks his promise, suffer everywhere be restricted " credit chasten mechanism, the person that let break one's promise cans not move a step, need asks for the content that more and daily life be closely bound up add in believing a report in the individual. "Let dimension of the report that sign a letter spend only more comprehensive, just can promote an individual to elevate credit consciousness better, accelerate construction of integral credence society thereby. " He Naye says.
Accelerate individual information to protect legislation
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Beyond question, new edition individual asks for letter report to will collect more individual information, because this also causes people the concern of safe to individual information problem. How to protect good individual information, what work should have each just done?
"The Central Bank builds an individual to ask for letter report to have the action that does not ask for letter orgnaization to gather individual information at a few societies, answer in respect of individual information safety and individual privacy protection can consider relatively comprehensive. " Dong Ximiao says, "Individual information safety and individual privacy protection are very serious problem really. For instance, the European Union protection to individual information, privacy, have very comprehensive and stricter requirement and regulation, once was violated,will be punished severely. So, the respect waits in protection of individual information safety, privacy, our country should accelerate legislation, carry out better protective move. Carry out better protective move..
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Dong Ximiao suggests, perfect information protects legislation, compose builds credit to share an environment. In basic law level, make individual information protect a law as soon as possible, of attribute of the legal position that specific individual information counterpoises, right and individual information collect use principle, for individual information protection provides a basis; In regulations system level, below basic law frame, in the key such as sanitation of business affairs of finance, communication, electron, education, medical treatment the domain makes regulations of the administrative regulations that individual information protects, department; In industry self-discipline level, lead key industry, get army the enterprise builds individual news development to use inside state law frame from industry regulation, self-discipline of sufficient play industry manages a mechanism.
He Naye also offerred the proposal of tripartite face:
From national angle, accelerate legislation process and increase penalize the first plan that strength is safety of protective individual information. The government should build the individual information on national level to protect a law as soon as possible, be divulged to information and business conduct undertakes making clear limitting, start of clear accusation, measurement of penalty, corresponding punishment.
From the angle of the enterprise, individual credence accredit uses an orgnaization to answer aggrandizement law consciousness, add up to compasses consciousness and privacy protection consciousness, be opposite of individual credence in using, pay attention to the privacy of individual information to protect.
In the meantime, in day-to-day trade act, should reduce pair of individual message as far as possible collect, put an end to information collect from fountainhead the generation of excessive problem.
From individual angle, should aggrandizement risk is on guard consciousness, do not divulge individual information easily, if be registered in the network, real name fills in carefully when test and verify individual information, the individual illicit secret information such as number of Id date, Zhang date, mobile phone do not be divulged at will; Should the consciousness that aggrandizement credence elevates, use in financial tool, in daily life, pay attention to the maintenance of credit, do not produce credit spot; Should convention changes inquiry individual credence to report, once discovery is not the undesirable credence problem that normal reason causes, should appear in the newspaper in time and appropriate processing, lest undesirable credence affects day of young man,live.
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Credit times has come
Not the behavior of be as good as one's word nowhere escape form
The person that allow be as good as one's word is benefited
The person that let break one's promise suffers be restricted to already made inevitable trend
Sign a letter, the lifetime very closely associated with each other with us!
Let us cherish our record that sign a letter
Do a person that has credit!
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