"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. " a word that Chen Yu of assistant president of Chinese people bank shows, let an individual asked for letter report to become heat topic for a time. According to concerning media coverage, chinese people bank asks for letter center to already tried run new edition individual to ask for a letter to report, will undertake formal switch May.
The content that new edition individual asks for a letter to report is more comprehensive, information dimension is spent also more refine, how will these change affect credit record? How should be information occurrence mistake solved? How should avoid occurrence individual to ask for a letter to report again " excessive " use?
One, content and change
A few days ago, one imprints have " groom referenced " the new edition individual of watermark asks for letter report to be on the net circulate, relatively the version before Yu Zhi, careful degree promotes its content further. This report is edition of the orgnaization that give a letter, individual ask forring believes a report to reach use purpose to differ according to serving a target, cent is 4 version, it is the bank edition that the orgnaization giving a letter that represents with silver-colored behavior serves respectively, the includes newspaper of one's own profession to send message only bank demur edition that contains form a complete set; The individual edition that satisfies him consumer to inquire demand (contain chromatic type) and individual detail edition (chromatic style) ; For the social edition that other society main body serves; Believe central edition for asking for those who believe systematic government to use.
The credit report of different version has each on content emphasize particularly on, front of Fintech of · of 0 one finance and economics is with teaching letter orgnaization edition exemple, to 2011 edition individual the report that sign a letter and new edition individual asked for letter report to undertake contrasting analytic.
From the point of component, new edition individual asks for a letter to report relatively 2011 edition individual asked for letter report to increase blame credit to make part of easy information detail, this part basically reveals fixed phone, mobile telephone and the capture that tap water expends to expend a circumstance. The pay cost circumstance of fixed phone, mobile telephone signs a letter in 2011 edition individual public information part is attributed in the report.
Express individual of 1 2011 edition to ask for letter report and new edition individual to ask for a letter to report component is comparative
New edition individual asks for a letter to report beyond the change besides component, more change also produced on specific content, divide outside adding a few new credit information, differentiate dimension is spent also more refine. Outside showing a share except report head and report, new edition individual asks for letter report to distribute 8 shares in all, cover 33 content, among them 23 produced change.
(one) report head: Abound inquiry certificate, increase turn over con caution and demur information clew
From the report the content of the head can see, new edition individual asked for letter report to abound inquiry certificate, support Id, passport and officer testimony inquiry, inquiry is more convenience, increased to turn over con caution at the same time, credit main body can apply for to install, prevent individual information to be embezzled. In addition, still increased demur information reminder in report head position, showed the objection that credit main body raises to report information, gifted report principal part more active advantageous position.
Express 2 reports head specific content and metabolic circumstance
(2) the individual is basic information: Increase the email and the mobile phone number that ever had used
The individual is basic the content of information section is more perfect also, obtain employment circumstance and information of the basic message that revealed credit principal part in the round, record of formal schooling, spouse information, increased telephone call of the email, mobile phone name that ever had used, house and unit phone, can undertake alternate test and verify to the information of credit main body.
Express 3 people basic information is material content and metabolic circumstance
(3) information is schematic: Information dimension is spent more refine
The credit information that information essentials is credit main body partly is seen without exception, the information that new edition individual collects a letter to report is seen without exception joined essentials of essentials of blame credit information, public information and inquiry to record essentials, the person that can help a report use understands the credit situation of credit main body quickly, can see, new edition individual asks for a letter to report the credit information of pair of credit main body differentiates also more refine, have specific aim more, loan account cent became blame loop to borrow account of the cent below system of account, loop and loop to lend account.
Express 4 information essentials specific content and metabolic circumstance
(4) credit hands in easy information detail: Reimbursement record spins, raise collective borrow or lend money mark, in installment information
The nuclear core that credit makes part of easy information detail is credit report is divided, the change that new edition individual imposes a letter to report basically is reflected in this one part, the first, reimbursement record lengthened 5 years by 2 years, show amount of exceed the time limit, can help credit orgnaization evaluate the reimbursement capability of credit main body accurately; The 2nd, individual business increased collective loan to indicate in housing loan, namely husband and wife is collective loan buys a house, the man is made give priority to borrower, of the woman ask for a letter to also can show indebted; The 3rd, increased small the information of individual consumption loan that borrows an orgnaization, can understand the indebted situation of credit main body in the round more; The 4th, increased to borrow write down card big and special in installment information, return a car to borrow in installment through credit card for instance wait to all can ask for letter report to show in the individual; The 5th, increase to already was sold door borrow information of the account that write down card, namely after break a contact of credit card happening, sell through Qing Dynasty door hard " wash white " individual ask forring believes a record; The 6th, recorded the act of company borrow or lend money related to credit main body, once be assured industry occurrence problem, also can be opposite the credit ability of security produces an effect.
Express 5 credit to hand in easy information detail specific content and metabolic circumstance
(5) blame credit hands in easy information detail: The pay that raises tap water cost expends a circumstance
Be not credit to hand in easy information detail is new edition individual of the report that sign a letter increase a share newly, attribute public information part so, the capture that tap water cost added after the division is separate expends a circumstance.
Express 6 blame credit to hand in easy information detail specific content and metabolic circumstance
(6) public information detail: Capture of gold of purify endowment insurance keeps a record, extend to record and car trade and mortgage record
Public information detail is credit main body is in partly the pertinent information of public sector, basically be the information related to reimbursement ability, the pay of endowment insurance gold that new edition individual collects letter report to show credit main body no longer keeps a record, extend to record and car trade and mortgage record.
Express detail of 7 public information specific content and metabolic circumstance
(7) this person statement, demur tags and inquire a record: Inquire the record is more simple
This person statement, demur is tagged and inquire the change that records a share is less, the inquiry record that new edition individual signs a letter to report shows the inquiry inside a month no longer partly orgnaization number and inquiry frequency and 2 years inland inquires a frequency recently.
Express the specific content that 8 person statement, demur is tagged and inquires a record and metabolic circumstance
Besides the change of component and specific content, according to concerning media coverage, the credit information that new edition individual collects a letter to report updates time to be " T+1 " , namely credit information changes can sign a letter in the individual the following day show in the report, this is meant, after producing undesirable credence to record, use credit information to undertake borrowing money will not coming true newlier slow.
2, " bogus flaw " how to amend?
New edition individual asks for a letter to report than the version before, information dimension is spent more refine, the orgnaization that involves is increasing also. Because the information of oneself writes the processing problem that keeps orgnaization of mistake and data conformity, individual ask forring may appear in letter report " bogus flaw " , if individual information appears mistake, how should answer?
" draft the regulation that believe industry " in mention, information main body thinks the orgnaization that sign a letter is collected, save, offerred information existence mistake, those who omit, xiangzheng having right believes an orgnaization or the person that information is offerred demur, ask to correct.
The basis asks for the official introduction before believing a center, the cent of demur processing job of the center that sign a letter is accept, check and reply 3 phase, involve center of the center that sign a letter, the cent that sign a letter and commercial bank with all possible means the joint efforts of the orgnaization, demur handles time to add up to 20 days.
In addition, basis " draft the regulation that believe industry " regulation, when information main body discovers his credit report has a mistake, to application of commercial bank demur, accept put in order continuously by the commercial bank, handle flow processing according to the demur of the commercial bank.
If handle a result to demur dissatisfactory, the first, can apply for to be added in credit report to the center that sign a letter " oneself state " , show a case; The 2nd, can ask for fuse manage branch or branch of financial consumer rights and interests to complain to local people bank; The 3rd, can to jurisdictional court is sued, solve litigant request through judicatory program.
New edition individual asks for letter report to also put demur information clew in report head position, make its more outstanding, if collect the information in believing a report to the individual,exist demur, answer to put forward in time.
3, how to avoid " excessive " use?
Signing a letter is to share the debt information of debtor to judge the countervail debt apiration of debtor and liquidity with this, individual ask forring believes a report to also should be used morely in credit behavior. Refine ceaselessly as what credit reports information is phyletic, rich, the individual asks for a letter to report abusive problem also should avoid actively.
Recently, deputy hall of office of company of Zhejiang province person is long express, want to advance the credit system construction of person company, build credit system to unit and individual, will restrain frequent abdication and obtain employment problem with this. Although, zhejiang of after the event saves person company office to be responded to in time, say to find new job normally to won't affect credit for certain, those who be aimed at is ill will finds new job often behavior, system of person company credit still is in research, but still draw many controversy.
In new edition individual ask forring believes a report in, basic message section described the individual in detail the identity information of credit main body, spouse information, living information and professional information, no less than detailed " to apply for a job reports " .
Current, individual ask forring believes a report besides in basically be being used after loan, credit card is examined and approve and the room borrows an orgnaization to manage, also hold a post in the individual got applied extensively in the activity such as take sb on the staff of qualification test, personnel. The message that letter of individual ask forring reports is more overall, refining is a favour admittedly, but still should notice to avoid an individual to ask for a letter to report at the same time by " excessive " use wait for a problem.
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