Headquarters of Central Bank Shanghai points out, credit chuck shows behaviour is to pass illegal means avoid actually take higher of bank place set show cost, those who crossed a bank be on guard doorsill. Once hold calorie of person to cannot repay,cover cash specified amount, bank losing is accrual not just, form bad assets possibly still, this brings tremendous risk hidden trouble for the bank, harmed the interest of hairpin bank badly. In addition, partial credit chuck shows behavior to may harm the interest of the person holding card of information be embezzlinged, then brings about social community to credit card, and even safety of system of Bank of China is on guard the worry of ability, it is possibly " wash money " etc malfeasant offer advantage, become the breeding ground that causes a bank to block illegal crime, order of finance of serious disturbed our country.
Chinese people bank and silver-colored inspect can combine print and distribute 2006 " the announcement that about be on guard credit card risk concerns an issue " , be on guard clearly and hit credit chuck to wait for the multinomial measure of illegal criminality now. Current, chinese silver-colored couplet already was built " risk information shares a system " , each commercial bank also builds the risk supervisory system of an oneself in succession, rose to show the identifying of the risk and control ability to holding calorie of person to cover greatly. Once hairpin orgnaization discovers existence covers the credit card that shows behaviour, will take stop payment step instantly, will hold bulletin of news blocking a person to send to Chinese silver couplet at the same time, in order to come true undesirable information of the person that hold card is shared.
In addition, headquarters of Central Bank Shanghai discloses, people bank is holding calorie of person to cover in research enter to write down all right now " database of base of individual credit information " relevant matters concerned, hold calorie of person to cover showing undesirable behaviour illegally to be noted the possibility at the appointed time individual ask forring believes a system, affect its individual credence to report directly. "Once hold those who block a person to cover,stand side by side to be discovered all right now credit reports ' blacklist ' , can affect its credence badly to record, will assume individual credence to be short of the legal hazard that break, henceforth to the bank leasehold capital also will special difficulty. " headquarters of Central Bank Shanghai expresses about the personage.
Besides what will participate in credit chuck to show business door and the negative news of the person that hold card bring into database of information of credit of enterprise, individual, headquarters of Central Bank Shanghai still expresses, below one phase still concerns combination the unit to hit bank chuck to wait now further malfeasant, include law of severe Cha Fei to cover now advertisement, " empty shell " the company is registered wait for behavior; Build a bank to block case information to release a mechanism to wait.
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