Does the new edition that affects 1 billion person ask for letter report to have with report of old edition credit after all why to distinguish? Meet again act of daily to the individual life, banking cause why to plant influence? Come out in early days market a lot of after the message that does not rely on chart, authoritative explanation of the government came eventually.
Reporter of certificate business China believes central know from Central Bank ask forring, ask for letter system to upgrade at present optimize the job (namely the 2 Dai Zhengxin systems that environment place says build the job) in still undertaking becoming, go up without what make clear line schedule. At present financial orgnaization and the credit report that social community inquires do not have change, not be report of credit of so called new edition. Nevertheless, 2 generation ask for future after believing the verge on the system, new edition credence reports will more current version is adjusted somewhat.
1, new edition credence is being carried out to report since May 1 is false information, at present the line on report of new edition credit is used and do not have specific timetable, continue to use is returned to have credit report when financial orgnaization and social community inquire now.
2, circumstance of pay of water charge of electricity is not compulsive record to be in report of new edition credit, the premise that capture of this kind of public service expends information to bring into an individual to ask for a letter to report is classics information him main body agree, agree to must not be collected without oneself.
3, " the divorce buys a house afternoon in the morning " the pass on a message that a flatlet qualification won't enjoy after making the past, divorce is not exact. Although report of new edition credit increases " collective loan " information collects content, but the cognizance of collective loan, it is the borrower information that in be based on financial orgnaization and borrower contract, makes clear.
"The system that sign a letter moves more than 10 years, the basic structure that credit reports and content are stabilized basically already. Only this second upgrade, because upgrade,the orgnaization that around sends data to newspaper of the system that sign a letter and data sort do not have big change, accordingly, the influence that lives to individual economy won't produce too big change. " chief says related the Central Bank.
Point one: The 2 acting systems that sign a letter still are being debugged in, do not have go up clearly line schedule
There is hearsay to say on the net before this, new edition individual asks for letter report to will begin to carry out at will rising on May 1 this year, the content signing a letter after correcting will be extremely detailed. Also accordingly, some finance orgnaization borrows machine hype, flicker consumer is driven before May to conduct loan business, but actual condition how?
Relevant controller expresses the Central Bank clearly, ask for letter system to upgrade at present optimize the job in still undertaking becoming, go up without what make clear line schedule. Financial orgnaization and the credit report that social community inquires did not change, not be report of credit of so called new edition.
That is to say, new edition credence is being carried out to report since May 1 is false information!
2006, the industry that the whole nation consolidates centrally and individual ask for letter system to go up formally line. Center of letter of Central Bank ask forring is specific and responsible construction, move and maintain the system that sign a letter. The system that sign a letter (namely database of base of financial credit information) the financial infrastructure with had become our country important, trade in stimulative finance, reduce community of financial venture, help the respect such as consciousness of credence of society of opportunity of financing of managing financing cost, creation, promotion produced main effect. Credit report already made reflective enterprise and individual credence conduct " economic Id " . Current, individual and enterprise ask for letter system to already gathered the information of twenty-five million nine hundred and eighteen thousand 990 million natural person, enterprises and other organization, receive an orgnaization respectively 3564 mix 3465, inquiry quantity achieves year 1.76 billion times to be mixed 110 million times respectively.
In recent years, to satisfy the requirement signing a letter of financial orgnaization and social all circles better, the center that sign a letter is timely started new round system upgrades optimize the job, namely the 2 Dai Zhengxin systems that all circles place says build the job.
"At present 2 Dai Zhengxin systems still are in debug ceaselessly, the line on new edition does not have specific timetable, on the government can inform social public for certain before the line. Going up not formally before the line, the credit that financial orgnaization and social community inquiry use reports or can delay with existing version, won't use report of new edition credit. " Wang Xiaolei of vice director of center of letter of Central Bank ask forring expresses to reporter of certificate business China.
Point 2: The true condition that information of cost of pay of water and electricity collects and net pass content discrepancy is bigger
The system that sign a letter moves more than 10 years, the basic structure that credit reports and content are stabilized basically already. The improvement that new edition credence reports, basically be in optimize an interface to reveal, promotion readability respect was done adjust.
The report of new edition credit that plans to roll out and phase of current credit report version are compared, added a few information, be like: The individual added the information such as citizenship in basic message, collective loan, individual increased to assure for legal person in credit information, legal person assures for the individual wait for information.
Summary looks, the report is in the new edition credence after improving to add those who collect the public utility capture such as water of collective loan information, design, report, telecommunication to expend information newly to reveal the respect such as the format to get market attention fully. There is a message to say before this especially, new edition individual asks for a letter to report the lieutenant general joins the public utility such as water charge of electricity to owe capture to expend information, can produce an effect to individual credit.
However, the net passes version and not accurate. Chief tells a reporter related the Central Bank, report of new edition credit designed what the public utility capture such as water, report, telecommunication expends information to show a pattern, but when be being collected actually, the center that sign a letter will talk things over with unit of relevant data source, will fulfil strictly " draft the regulation that believe industry " thirteenth " collect individual information to ought to agree via information him main body, agree to must not be collected without oneself " regulation, newspaper of the ability after accredit of information main body agrees is obtained to send data in data source unit. In the meantime, the center that sign a letter will father to close data quality, be in only ensure data quality and safe circumstance fall, ability will be cogent collect data put in storage and offer inquiry external.
That is to say, when prospective credit report is collecting capture of individual public utility to expend information, its premise is to must be asked for so that information him main body agrees, agree to must not be collected without oneself, also won't sign a letter in the individual this share information presents in the report.
Reporter of certificate business China understands, central Bank ask forring believes a center to begin exploration to collect reflective individual credit from 2006 " after be being consumed first, pay " public utility capture expends information, the purpose is to enlarge those who impose letter system to cover a range, establish credit record for more individuals that have economic activity, and most first from collect individual telecommunication to regular pay is expended and owe cost information to begin exploration, owe cost information to be collected only among them owe the information that expends 2 months above.
"Look from our country circumstance, at present still 460 million natural person does not have credit record. To this part crowd, below the premise that asks for so that its oneself agree, collect ' after be being consumed first, pay ' public utility capture expends information, the individual that conduces to help more lacking credit to record builds credit to record, the help is put borrow an orgnaization to assess its credit risk, promote its to obtain financing, reduce financing cost. " Central Bank respect expresses.
Why " after be being consumed first, pay " can information of cost of public utility pay reflect individual credit? According to Introduction Wang Xiaolei, the property of individual credit information must be credit of individual of can real report, besides normal financial orgnaization outside leasehold information, the individual is being used " after be being consumed first, pay " in the public service process such as water and electricity, telecommunication, its premise is public service provider is based on the credence to the individual, this process contains the behavior of credit.
Nevertheless, as we have learned, central Bank ask forring believed a center to collect the discovery in the process of public service information in exploration 2006, difference is further between data quality and requirement, message of our country public service is at present main two respects are insufficient under existence:
It is data whether exact record is put in bigger question in him under one's name, for example, if be tenement pay,water and electricity lights the cost that enrage capture, capture expends information whether reimbursement record or record of exceed the time limit exact record is in under one's name of house-owner of and rather than of tenement under one's name, at present information count not very essence of life is accurate;
The 2 controversy sexes that are data, if as a result of public service service of provider in advance is less than a customer that create to owe cost or pay of exceed the time limit,expend, the pay cost conduct of sex of controversy of this kind of existence limits difficulty big.
"As a result of afore-mentioned two respects reasons, although the Central Bank asks for letter center early to collect public service capture to expend information with respect to exploration, but be practical and realistic is told, progress is more careful, impose letter system at present and did not collect capture of water and electricity to expend information, telegraphic capture expends information to collect the capture that the foundation serves to expend information only, the pay that does not include telegraphic appreciation service expends information. " Wang Xiaolei says, as to new edition credence the report designed what the public utility capture such as water, report, telecommunication expends information to show a pattern, this just is based on the angle of sex of the look up before the technology to be designed ahead of schedule.
Wang Xiaolei emphasizes, the inevitably meeting after information collects limits to expand involves information to protect a problem. Credit reports the meeting when collecting public service capture to expend information follows two respects principle:
It is public information before collecting, must ask for so that oneself agree, collect negative news to must inform an individual;
2 if oneself are right,be information hold demur, can demur, end guild and data source unit talk things over, if have misunderstanding truly,correct instantly.
Point 3: Collective borrower is maintained is the leasehold contract that is based on financial orgnaization to offer
There is a report to say before this, old edition signs a letter in the report, both sides of husband and wife is collective reimbursement, can having one party is advocate usurer, and the information that the another report that sign a letter won't show to this room is borrowed, but after new edition individual signs the line on letter report, "The divorce buys a house afternoon in the morning " will become the past.
Is so collective and leasehold actual condition how? Chief says related the Central Bank, alleged " collective loan " it is to show brushstroke borrows money by two or two above borrower is assumed jointly repay jointly the loan of responsibility. Ask for trustworthy carry out according to international, collective loan information can reveal the credence in every borrower at the same time in the report, financial orgnaization considers collective loan message inside in the meeting when assessing borrower credit risk. The center that sign a letter is explored actively increase in report of new edition credit " collective loan " information collects content, act on " factualism " principle, reveal loan information at the same time in report of every borrower credit, mirror borrower according to the facts indebted circumstance. If sequel lends a main body happening change, the system that sign a letter will according to financial orgnaization report information, replace news in time, record real case objectively.
Actually, reporter of certificate business China understands, in existing individual credit report although did not show directly " collective loan " information, but financial orgnaization can inquire secondhand. If the meeting in credit report shows marital status, the spouse that shows in him credit that financial orgnaization can join borrower and its marital status is relevant information, will judge collective loan situation by oneself. Under photograph comparing, report of new edition credit just tells collective loan circumstance to be revealed clearly with directer way come out just.
"The system that sign a letter just records the fact that financial orgnaization offers, and brushstroke is leasehold trading fact is a contract. If the borrower on leasehold contract keeps the name that is two people, it is the loan information of two people; If applicant of the loan in the contract is a person, show the loan information of a person. "Wang Xiaolei says, it is under different credit period, different credit policy, different finance orgnaization is different to the cognizance of collective loan. If leasehold person information produces change, if because of marital status the change brings about borrower,turn into by two people a person, the up to date information that the system that sign a letter can provide according to financial orgnaization undertakes modificatory.
That is to say, even if increases in report of new edition credit " collective loan " information collects content, but the premise that information collects is to be based on " factualism " principle. And He Wei " fact " , it is the loan contract that financial orgnaization and borrower sign. If combine the name that Alexandrine borrower is A, criterion in the credit report that this leasehold information can reflect in A; If contract borrower is the name of A and B, criterion in the credit report that this leasehold information can reflect in A not only, in the credit report that also can be reflected in B. Accordingly, have media coverage " the divorce buys a house afternoon in the morning " the case that will become the past, divorce hind to may lose a flatlet qualification is not absolutely.
"When the individual leasehold information produces change when, oneself can replace news actively to leasehold bank, silver-colored guild gives the system that sign a letter feedback of up to date information, the accuracy of the information in can ensuring credit reports so and effectiveness. " Wang Xiaolei says.
Point 4: The individual is normal the openly information storage life such as reimbursement record expands from 2 years to 5 years
The side is shown in what reimbursement records, new edition record also has perfect newlier. Credence of new edition individual reports the design is revealed " 5 years reimbursement is recorded " (include amount of reimbursement condition, exceed the time limit) , report of active individual credit also revealed reimbursement of 5 years to record, just show pattern somewhat difference.
Particular system lengthened the difference that shows pattern now the individual is normal the clock of reimbursement information. Well-known, in existing credit report, the storage life of the negative news such as bad to the individual leasehold record is 5 years, right namely from bad behavior 5 years perhaps are since the day that incident ends, delete more than 5 years from inside credit report after deadline; The storage life of the openly information such as record of normal to the individual reimbursement is 2 years.
Under photograph comparing, in report of new edition credit, to afore-mentioned negative unite with the storage life of openly reimbursement information adjust for 5 years, prolonged the storage life that normal reimbursement records the individual namely, its purpose depends on revealing the credit of information main body better, help public accumulates credit wealth, promote obtain financing.
In addition, what need reminds is, the individual is undesirable and leasehold the information of the record is to ask for letter system to be collected from financial orgnaization get, can help an individual to there is an orgnaization to allege on market " wash white " the circumstance of the bad record that sign a letter deceives people.
"As long as the individual has the bad record such as reimbursement of exceed the time limit inside 5 years, the metropolis on credit report has show, bad record is impossible ' wash white ' . " Wang Xiaolei emphasizes.
Point 5: Administrative punishment information waits for administration to reconsider period collect again after the end
In recent years, build for compose " one place breaks his promise, suffer everywhere be restricted " credit chasten pattern, promotional and of all kinds main body sincere letter consciousness, each district punishs a few administration information to regard as in exploration decide whether be break one's promise the person's basis, but the controversy that this also aroused a society to whether be put in abuse about individual information.
To asking for a letter to report character, its basically are to be used at main body and financial orgnaization produce leasehold impact, regard financial orgnaization as the referenced basis of risk identifying. So, the administration that makes to of all kinds and other government sector is punished, in whether can you also bringing into the report that sign a letter?
To this, wang Xiaolei says, the meeting is extensive before Central Bank ask forring believes a system to gather a kind of any information seek financial orgnaization opinion, although ask for letter system to also can collect partial administration to punish information at present, but want commonly when administration is reconsidered period this information is gathered again after the end, the administrative punishment information that gathers at present basically is to be aimed at an enterprise.
Point 6: Value your id card, discretion wants when the individual signs
Expand as what credit information gathers range and change subtly increasingly, information collects a process in, the problem that individual information protects also is paid close attention to increasingly. System of letter of Central Bank ask forring is collecting information process in, also set the mechanism of the legitimate rights and interests that ensures information main body.
Chief expresses related the Central Bank, the center that sign a letter is abided by strictly " draft the regulation that believe industry " regulation, depend on lawfully compasses develop the activity that sign a letter, cogent defend know the inside story of information main body authority, agree with the legitimate rights and interests such as authority, demur authority, ensure information safety strictly.
It is cogent safeguard information main body to agree with authority. Abide by a newspaper strictly to send data accredit and system of inquiry data accredit, supervise and urge financial orgnaization fulfils accredit obligation, close compasses number off and inquire. User of strict and normative orgnaization inquires behavior, enhance pair of monitoring strength that violate compasses inquiry, seasonable discovery violates compasses inquiry act and adopt measure to check.
2 it is cogent uphold right of know the inside story of information main body. Information main body has authority to get him credit report freely twice every year. The center that sign a letter inquires through bar of Internet, spot, self-help a variety of means such as machine provide inquiry service, guide the public to care behavior of his credit record, normative credence. Since the system that sign a letter provides a service formally external, individual credence reports he inquire amount year after year to rise, inquired the quantity is achieved ninety-six million eight hundred and eighty-three thousand times 2018.
3 it is cogent the demur that upholds information principal part counterpoises and correct authority. The center that sign a letter begins demur to handle the work seriously jointly with financial orgnaization, raise demur to handle efficiency ceaselessly, the demur processing that ensures information main body gets seasonable, major and information correct service. 2018, accept individual demur to apply for 41 thousand in all, demur reply is led 99.6% , demur is solved rate 99.2% .
4 it is cogent safeguard information main body to rebuild credit records authority. The system that sign a letter establishs mechanism of credit information rehabilitate, the storage life of bad to the individual news, from bad behavior 5 years perhaps are since the day that incident ends, delete more than 5 years from inside credit report after deadline.
5 it is safety of information of main body of cogent safeguard information. The centre height that sign a letter takes safety of the information that sign a letter seriously to work, safety of ceaseless and perfect information runs a system, multidimensional degree all-around how does promotion defend a level, ensure the system that sign a letter all the year round safe stability moves, take strict precautions against information to divulge a risk, ensure information safety.
In addition, the center that sign a letter reminds, the individual also should strengthen the protective consciousness that him credence records. On one hand, identity document of custodial good individual, identity document photocopy should make clear utility; On the other hand, keep good individual credence reports, do not discard at will credit report, do not provide credit report to other business organization easily; Inquire in public network, after saving credit to report, want to be deleted in time.
"Each society main body is in economic activity, must be in charge of to oneself signature, must realise oneself the name is written in the influence that the meeting on file of contract, law brings to oneself adequately, at present social community is returned in the consciousness of this respect not quite strong. In addition, must cherish oneself Id, be in at present owe develop in area or the group such as teenage, undergraduate, to the protection of Id consciousness still remains to rise, go up to the orgnaization that understands not quite and website, must provide identity information carefully. " Wang Xiaolei says.
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