央视网消息:一纸个人信用报告背后,关系着每个人的金融生活,特别是贷款、信用卡消费等。而哪些信息会被采集?它们又将如何影响一个人的房贷、车贷、信用卡消费等?近日,中国人民银行最新披露了关于个人信用报告的相关信息。新一年,这些和信用有关的事儿,要留意了。

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.

  根据规定,信息主体可以向征信机构查询自身信息。在全国各地人民银行分支机构以及部分金融机构网点、部分地区政务大厅,都可以通过自助查询机等进行查询。个人信息主体有权每年两次免费获取本人的信用报告。第三次开始收费10元。

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.

  一共6页的报告中除了基本的个人信息外,还包括三大类信息:一是信贷信息:包括贷款、信用卡、担保、租赁等;二是先消费后付款的信用信息,主要包括了电信等公用事业;三是公共信息,包括行政许可、行政处罚,还有法院的失信被执行人信息。如果有不良记录,会出现在基本信息后面的“逾期及违约信息概要”一栏中。对于百姓关心的,水电煤气等缴费信息,央行负责人表示,未来哪一项可以进个人信用报告,还需进一步研究。

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.

  中国人民银行征信中心副主任王晓蕾说,不良信息自终止之日起,五年(后),将在信用报告当中删除,这个是计算机自动设置的。

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.

  银行方面表示,从实际操作来看,并不是一有逾期或不良,所有银行都会对你说“不”。商业银行内会有一套比较科学的算法,把查到的征信信息根据实际情况加工处理,最后生成一个分数,如果达到了进入门槛,仍然会继续后续的审批。

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.

  查询后,如果认为征信机构采集、保存、提供的信息存在错误、遗漏的,信息主体有权向征信机构或者信息提供者提出异议,要求更正。

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.

  中国人民银行征信中心副主任王晓蕾说,不管是发卡行提异议,或者到征信中心提异议,我们都会马上启动这个过程。

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.

  2019年1月至11月,中国人民银行征信中心共受理个人征信异议申请万笔,异议解决率%,异议处理时间平均十几天。

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.

  守信者,时时受益;失信者,处处受限。我们欣喜地看到,随着制度设计不断发挥作用,越来越多的公民把信用当做刚需,把守信当做人生的必选项,这正是推进个人信用报告的意义。

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.


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