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.
Does new edition individual ask for letter report what to change there is?
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, 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. 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.
"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.
How to protect good individual information?
New edition individual asks for letter seminar to collect more individual information. To problem of individual information safety, what work should have each just done?
Chinese people university weighs Dong Ximiao of assistant dean of academy of in relief finance to express, "The Central Bank builds an individual to ask for letter report to have the action that does not believe an orgnaization to gather individual information at social ask forring, the respect is protected to be able to consider relatively comprehensive in individual information safety and individual privacy.
In the meantime, dong Ximiao suggests, should perfect information to protect legislation, compose builds credit to share an environment.
1, 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;
2, in regulations system level, should be in regulations of the administrative regulations that the key domain such as sanitation of business affairs of finance, communication, electron, education, medical treatment makes individual information protect, department;
3, 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.
How to inquire the individual signs a letter?
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.
