Report of credit of new edition individual tries move, default water to expend stain, "False divorc

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.

Henceforth, the limits that letter of individual ask forring reports will not the information such as loan of be confined to, break a contact, default water charge of electricity such " bagatelle " also will become " stain " . In addition, picture " 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 " wait for a method to will be brought into break one's promise limits, "The divorce buys a house afternoon in the morning " also will become the past.

Letter of Central Bank ask forring shows on central website, 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.

According to " economic daily " report, he Naye of researcher of engage by special arrangement of academy of Su Ning finance expresses:

It is above all 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. 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.

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.

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.

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.

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.

Confucius says: "Person and without the letter, do not know its but also. " according to the report, 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, be opposite not only break one's promise the bind of behavior will be more severe, and report of letter of individual ask forring collects information general more refine, more comprehensive, more essence of life is accurate. Divide leasehold outside waiting for financial information, new edition asks for a letter to 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.

Cost of telephone bill, water owes capture to also will bring into an individual to sign a letter, be a bit fussily? Public opinion thinks, owing telephone bill of the cost that deliver water, charge of electricity, phone is behavior of break a contact and civil dispute nevertheless, and rather than enters the illegal action such as red light, cannot include the system that sign a letter arbitrarily its directly. This kind of view is one-sided. Break his promise because of thousands of 10 thousand debt, with because default,break his promise, do not have those who have quality to fasten, cannot do catch put greatly small, the look is not treated so that distinguish.

Ask for those who believe a system to build as the individual, more and more people more the attention maintains credit. Buy a room to buy Che Shen to borrow money please, the bank needs to examine an individual to ask for a letter to report; Be in repeatedly when be child look for a partner in marriage, mother-in-law also should read the report that sign a letter; Since April 2018, be brought into to break his promise to be carried out lawfully by Beijing court the person's natural person, legal person or illegal person organization, also be restricted to participate in index of small passenger car of card of this city Beijing to shake date is configured. This is meant, once have,break his promise badly behavior, sign the negative record on letter report, can immediate impact is borrowed to the car, the room is borrowed etc whether be examined and approve to pass, can affect shake the daily life such as date, look for a partner in marriage. Saying like place of a netizen, a person that breaks his promise to choose fund, undeserved really entrust is lifelong.

Perfect individual imposes letter system, be construction of social credit system is important one annulus, be helpful for raising the sincere letter consciousness of whole society, improve social credence environment. Of course, before the system that sign a letter returns bureau be confined to certain domain, from " the system signing a letter that covers whole society " still have the space that comparative. For instance, some people say sincere letter in the respect that brings into the system that sign a letter only, do not procrastinate to be not owed, can arrive involve the so called petty thing such as cost of telephone bill, water, undeserved return a responsibility, know to install do not know, rich also not capture. Having is, the bank of a thousand li destroys Yu Yi acupuncture point, this kind breaks his promise if behavior does not try chasten, those who cause is the loss of money of piece of a hundred or so not merely, it is the concussion of pair of whole society credence more.

Sincere letter is sincere the pass of the person that believe, breaking one's promise is the stumbling block of the person that break one's promise. Sincere letter, when from every little bit only then, an appearance after person forefathers. Did not forget capture water expends a telephone bill!