In 2024, the credit information system will still have an important impact on individuals. The impact is as follows:
1. Loan approval: Personal credit records are an important reference for banks and financial institutions to approve loans. If a person's credit record is poor, whether buying a house, buying a car or making other personal consumption, he may face the risk of loan rejection.
2. Employment: With the improvement and popularization of the credit information system, more and more employers began to review the credit information reports of candidates. In some industries and positions, a good credit record may become a necessary condition for employment, while candidates with poor credit may be eliminated directly.
3. Coverage: The People's Bank of China approved the establishment of personal credit reporting institutions such as People's Credit Information Co., Ltd. and Park Dao Zheng Xin Co., Ltd., covering a large population. This means that the credit information system will affect people's lives more comprehensively.
The method of inquiring personal credit information is as follows:
1. Log in to official website, Credit Information Center of China People's Bank. Enter the personal credit information service platform, register and log in, apply for credit information, and follow the prompts on the page.
2. Inquire through the commercial bank authorized by the People's Bank of China. For offline inquiry, you can go to branches and outlets of the People's Bank of China to inquire about personal credit reports; For online inquiry, you can log in to the online banking or mobile banking software of commercial banks, or inquire about personal credit reports through China UnionPay Express software. However, not all commercial banks can inquire about personal credit reports. At present, the commercial banks supported are Industrial and Commercial Bank of China, Agricultural Bank, China Bank, China Construction Bank, Bank of Communications, China Merchants Bank, China CITIC Bank, Shanghai Pudong Development Bank, China Guangfa Bank, China Bohai Bank, Ping An Bank and China Everbright Bank.
3. Inquire through the mobile phone software of UnionPay China UnionPay Express. Download and log in the mobile phone software of UnionPay China UnionPay Express, search the credit report in the search bar, enter the personal credit report applet, click on the credit report, and authenticate the query. After the query is completed, you can get the query record, which generally takes 24 hours to get the results.
To sum up, the reform of the new credit reporting regulations in 2024 will have a far-reaching impact on personal credit status. We need to pay close attention to these changes in order to better cope with future financial challenges.
Legal basis:
credit reporting industry regulations
Article 8
Directors, supervisors and senior managers of credit reporting institutions engaged in personal credit reporting business shall be familiar with the relevant laws and regulations on credit reporting business, have the experience and management ability of credit reporting industry required to perform their duties, have no record of major violations of laws and regulations in the last three years, and have obtained the post qualifications approved by the supervision and administration department of credit reporting industry in the State Council.
Article 9
The establishment of branches, merger or division, change of registered capital, change of shareholders whose capital contribution accounts for more than 5% of the company's total capital or whose shares account for more than 5% of the company's shares shall be approved by the supervision and administration department of the State Council Credit Information Industry.
If the name of the credit reporting agency that operates the personal credit reporting business changes, it shall be filed with the supervision and administration department of the State Council credit reporting industry.