CCTV news: a personal credit report behind, related to everyone's financial life, especially loans, credit card consumption and so on. And what information will be collected? How will they affect a person's mortgage, car loans, credit card consumption and so on? Recently, the People's Bank of China recently disclosed information about personal credit reports. In the new year, keep an eye out for credit related matters.
According to the regulations, the main body of information can check its own information with credit agencies. All branches of the People's Bank of China, as well as branches of some financial institutions and government halls in some regions, can be queried by self-help inquiry machines. The personal information subject has the right to obtain my credit report free of charge twice a year. The third start charge 10 yuan.
In addition to basic personal information, the six-page report contains three main categories of information: one is credit information: loan, credit card, guarantee, lease, etc.; the other is credit information about the first consumption and then payment, mainly including public utilities such as telecommunications; and the third is public information, including administrative licensing, administrative penalties, and the information of the executors of the court's breach of trust. If you have a bad record, it appears in the \"Summary of Overdue and Breach Information\" column behind the basic information. For people concerned about, water, electricity, gas and other payment information, the head of the central bank said that in the future which can enter personal credit reports, need to be further studied.
Wang Xiaolei, deputy director of the credit information center at the People's Bank of China, said the bad information would be deleted in the credit report for five years from the date of termination, which was automatically set up by the computer.
The bank said that in practice, not all banks would say \"no\" to you. Commercial banks will have a set of more scientific algorithms, the credit information found according to the actual processing, the final generation of a score, if reached the entry threshold, will continue to follow-up approval.
After inquiry, if there are errors or omissions in the information collected, saved and provided by the credit information agency, the information subject shall have the right to raise objections to the credit information agency or the information provider for correction.
Wang Xiaolei, deputy director of the credit information center at the People's Bank of China, said:'We will start the process right away, whether it is for the issuing bank to raise an objection or to the credit information center.
From January to November 2019, the Credit Reference Center of the People's Bank of China has accepted ten thousand individual credit application applications, with an objection resolution rate of%and an average of ten days.
Those who keep their word always benefit; those who break their promise are limited in place. We are delighted to see that, as institutional design continues to play a role, more and more citizens regard credit as a rigid demand, and trustworthiness as a necessary option in life, which is the significance of advancing personal credit reporting.