The bank gives do not open credit card to you, to do not borrow money to you buy a room to buy a car, want to ask for letter report to evaluate through your individual. If you have exceed the time limit in the loan before this, with respect to meeting influence the bank is opposite your " view " .
Old bounty place says assistant president of Central Bank of no less than, mother-in-law carries husband to want Cha Zhengxin to report. Accordingly, everybody should be opposite this piece " economic Id " take seriously very, caress meticulously.
According to ending extensive network reports, the message pointed out recently, 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.
Current, the about individual past credence information data system that the report of the individual that sign a letter basically points to to Chinese people bank asks for letter center to record. This system that sign a letter put forward 2002, begin to build from 2004.
The Central Bank takes the lead the credit information of the credit information data that the database of the center that sign a letter that establish had received many 3500 bank and other finance orgnaization, 990 million natural person, still have the credit news of many 2600 enterprise and organization of other legal person.
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.
"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 produces 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?
01
Does new edition individual ask for letter report what to change there is?
The reporter believes the discovery on central website in Central Bank ask forring, current individual asks for letter report to include 3 shares:
1, credit record, like credit card, loan, assure for other etc.
2, public record, include to owe carry out duty, civil judgment, compulsively, administrative punishment, telecommunication owes cost.
3, inquire a record
Just try the new edition individual that move to ask for letter report to collect information general more refine, more comprehensive, more essence of life is accurate.
02
"The divorce buys a house afternoon in the morning " will become the past
Old edition individual asked for letter report to give a few people to get the chance of regular flaw, but these flaw will be blocked up to go up by new edition report.
One, annul door also cannot wash white " black history "
For instance, old edition reports reimbursement record is two years, record of exceed the time limit saves 5 years. And, already sold door won't show reimbursement is recorded. Accordingly, somebody is in after producing serious violate a treaty, adopt annul door means comes " wash white " the report that sign a letter.
But, after new edition switch, reimbursement record and record of exceed the time limit are united, even if is to sell card, also have reimbursement record. New edition asks for letter seminar to let these " black history " nowhere escape form.
2, " raise card in order to get stuck " will get inhibition
Many people are passed tear open east the wall fills on the west the means of the wall " raise card in order to get stuck " . But, new edition asked for letter report to be added newly " reimbursement amount " , reveal " month of half an year all should return amount recently " . Future, the behavior that raises card in order to get stuck will get be inhibitioned certainly.
3, " the divorce buys a house afternoon in the morning " will become the past
Still market personage compares new old report to discover, "The divorce buys a house afternoon in the morning " will become the past.
For instance, one pair is in one case before marriage collect a paid husband and wife, enjoy the qualification that buys a flatlet to stay to future, specially hangs house property in the under one's name of marital one party, and be when loan complete also with the husband the name of one person, by the charge of family life of wages pay wages or salaries of the wife. If future is passed " false divorce " , under one's name still can be enjoyed without borrowed wife without the room " first head borrow " qualification.
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.
According to " economic daily " report, analysis of a market personage says, 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.
Graph / graph bug
4, cost of pay of telephone bill of coal of water and electricity all can be recorded
New edition report increases reveal " nearly two years telephone bill of coal of water and electricity owes capture circumstance " .
"Because telephone bill of coal of water and electricity is penny with respect to ignore, pull 9 months not anxious also. " the negative effect that such idea may bring materiality in future.
To this, chinese people university weighs Dong Ximiao of assistant dean of academy of in relief finance to express when accepting a reporter to interview:
"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.
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.
But also the netizen expresses: In case is the house rental condition, rent a settle or live in a strange place not are capture or water of not seasonable pay expended? If be this kind of condition, let landlord ask for a letter to assume negative position.
Graph / graph bug
03
One place breaks his promise, suffer everywhere be restricted! Credence of fast understanding individual reports
People bank signs the report that believes a center now, do not collect fees before the individual inquires two times, the individual credit report that checks brief edition on the net also does not collect fees.
Since after can inquire credit reports by oneself on the net, a lot of people can inquire his credence reports regularly. But there is netizen report before this, the bank rejects loan, the frequency that the reason is inquiry of the report that sign a letter actually is too much.
Occupying a country is direct car the report before this, the frequency that to the individual the report that sign a letter inquires is really unfavorable and overmuch, but also be not is all inquiry record metropolis influence to borrow money.
Current, dweller individual inquires the record of the report that sign a letter, to applying for loan even won't produce an effect. What affect individual loan truly is overmuch " hard inquiry " record.
As we have learned, always involve the business of loan, apply for a room to borrow for example, the car is borrowed, loan of business of application credit card, application, bank and relevant orgnaization can be below the case that gets individual authorization, undertake inquiring to individual credence of the client, such circumstance plays the inquiry record of generation, be called " hard inquiry " .
Specific will tell, the dweller is borrowed in application credit card, room, when the car is borrowed, the bank needs to inquire the individual asks for a letter to record, if dweller oneself believes in order to and capital in order, major application was passed examine and approve, these inquiry are recorded and can not cause negative effect to its so.
Conversely, if the dweller's credence and fund condition are poorer, so the bank is opposite for careful consideration its financing application, with respect to can frequent inquiry the dweller's individual asks for a letter to report, these inquiry records will cause negative effect to his credence.
What need reminds is, the Central Bank is current not processes of any tripartite application provide authorization the inquiry that individual ask forring believes serves. In the Central Bank website of the center that sign a letter hangs have remind: "The center that sign a letter not any tripartite uses authorization program (APP) offer individual credence to report inquiry serves, please broad user attention. Please broad user attention..
Want to inquire the individual imposes letter condition at present, have two kinds of kind:
The first kind is spot inquiry, the dweller can head for the Central Bank ask for the center that believe cent or appoint a branch of each district, undertake bar inquiry or self-help inquire.
The 2nd kind is to undertake Internet inquires, through the government the center that sign a letter submits inquiry application, be in can obtain credit report the following day. Land website of government of the center that sign a letter to be able to apply for.
04
Dweller credence consciousness remains to strengthen on the whole
On April 7, " Beijing youth signs up for " publish news analyst article to say, in a few developed countries, most dweller takes individual credence behavior seriously. The reason depends on, the system that sign a letter is very perfect, the active force of the system that sign a letter is very large, incidence is extremely wide. Be like traffic violate the rules and regulations, possible effect does poineering work to the individual, each respect such as loan, bring about break one's promise the person cans not move a step.
As a result of our country individual construction of the system that sign a letter starts later, the individual asks for a letter to the system also is perfected not quite and gain ground, the system that sign a letter is not strong still to the sanction of dweller credence, how can raise individual credence to spend generation to the dweller stronger tie and restrict action, credit consciousness of the dweller still has a few weakness on the whole.
2017, an investigation data of 360 indicates thaw, 22.25% users are just begin to pay close attention to an individual to sign a letter from application borrows money, because 63.35% users do credit card to just pay close attention to, still 10.38% state the individual that had not paid close attention to his signs a letter. The user that still has 29.45% at present does not understand him to impose letter condition in the individual of the Central Bank, and in dweller of country of villages and towns, this one scale is as high as 38.33% .
Individual of Central Bank new edition asks for those who believe a report to go up line, will naturally arise to carry display vigour actively to use to credit consciousness of the dweller, make the dweller knows credit has many to oneself important.
March 10 in National People's Congress of 13 whole nations on 2 conferences press conference, old bounty introduces Central Bank assistant president, current, the credit information data that database of base of national credit information had received many 3500 bank and other finance orgnaization, the credit information of 990 million natural person, still have the credit news of many 2600 enterprise and organization of other legal person. Inquire this system everyday at present credence of individual of 5.55 million person-time reports, the company credit of 300 thousand person-time reports.
Old bounty still says, sign a letter now a lot of used social field, we see a lot of daughters look for a boy friend, prospective mother-in-law says, the report signing a letter that you get a people bank is taken look.
