On 24th, a # Personal Credit Report is an insulting word # rushed to the top of the hot search list in Weibo. The cause of the incident is that the column of "Work Unit" of a Nantong citizen's personal credit report reads "Ten Years of Professional Chicken"!
Nantong citizen's personal credit report is an insulting word.
Bank: financial institutions upload and delete online.
According to People's Daily Jiangsu Channel, Ms. Fang Min of Nantong City, Jiangsu Province found that the column of "Work Unit" in her credit report was actually written as "Professional Chicken Raising for Ten Years"!
Things are not complicated. There is a loan relationship between Ms. Fang and Shanxi merchants' consumer finance.
Ms Fang introduced that from April 2065438 to April 2008, she signed a personal consumption loan contract of RMB 162000 in Jinshang Consumer Finance Sub-branch of Nantong Zhongnan Building, with a loan term of 36 months. In February last year, Ms. Fang proposed to postpone repayment to Jinshang Consumer Finance due to the epidemic, and the latter postponed repayment until the end of 2020. Ms. Fang said that according to the algorithm of Shanxi merchants' consumer finance, up to now, she still needs to repay more than 70,000 yuan of principal and interest.
On April 6, Ms. Fang was shocked to find the above problems after inquiring about personal credit in Nantong Central Sub-branch of China People's Bank, and then reported them to Travel Network.
In an interview with reporters, Changjiang Wenhua, Credit Information Management Section of Nantong Central Branch of China People's Bank, explained that the central bank's credit information system is a platform, and the data is transmitted by relevant financial access institutions, and whoever transmits it bears legal responsibility; If the parties have objections, they can go through the complaint handling procedure.
At present, through the coordination of the bank, Jinshang Consumer Finance Co., Ltd. (hereinafter referred to as "Jinshang Consumer Finance") suspected of uploading inappropriate information has been deleted online. However, according to Ms. Fang, after the incident, she has never received a legal statement from the company involved.
Shanxi merchants' consumer finance later admitted that inappropriate information was uploaded to the credit information system. On April 6th, Taiyuan Central Sub-branch of the People's Bank of China ordered Jinshang Consumer Finance to modify Ms. Fang's professional information online.
Regarding Ms. Fang's claim that Shanxi merchants' consumer finance should compensate them for their corresponding mental and reputational losses, Nantong Central Sub-branch of China People's Bank said that this claim was a civil dispute and suggested that the parties concerned should solve it through litigation.
Tan Xiaohui, a lawyer of Beijing Yingke (Nanjing) Law Firm, believes that personal name and other identity information, the amount owed and the overdue time can be uploaded to the credit information system, but the credit information agency cannot "write how it wants". If there is indeed humiliating or reputational content in this case, the parties may bring a lawsuit against the right of reputation to the court.
Why is inappropriate information uploaded to the credit information system, and is it investigated afterwards? As of press time, a Shanxi consumer finance worker who claimed to be in charge of customer complaints did not respond positively to the reporter's interview appeal. He only said that the relevant departments of the company had communicated with Ms. Fang, and the reporter could ask Ms. Fang about the situation.
Ms. Fang said that she has been communicating with Jinshang Consumer Finance on repayment matters, but has not received feedback from the other party on credit reporting.
Some netizens commented, "Is it finished if you delete it? If you don't find it yourself, isn't that it? " "Can't internal investigation clear, let the customer to sue? Isn't it a waste of money and public resources to sue? " "There is nothing to talk about when you take up legal weapons to defend your rights."
Some netizens can't believe that financial institutions and small loan companies still have such rights, which is simply nonsense and can cause social death to the parties. It is recommended that all such credit reports or bad records be determined by the court.
What kind of company is consumer finance of Shanxi merchants?
According to official website, Jinshang Consumer Finance Co., Ltd. (hereinafter referred to as "Jinshang Consumer Finance") is a national licensed consumer finance company approved by China Banking Regulatory Commission and a member of the Consumer Finance Professional Committee of China Banking Association. Founded on February 23rd, 20 16, and headquartered in Taiyuan, Shanxi. It is the14th consumer finance company in China approved by China Banking Regulatory Authority.
According to Qixinbao's data, the registered capital of consumer finance of Jinshang is 500 million yuan, and the largest shareholder is Jinshang Bank, holding 40% of the shares. Beijing Qifeixiang Art Business Consulting Co., Ltd. is the second largest shareholder, holding 25% of the shares. The legal representative of the company is Zhou, CEO of Qihoo 360 Company. In addition, Tianjin Yuxin Yicheng Technology Co., Ltd., Shanxi Huayu Commercial Development Co., Ltd. and Shanxi Meitehao Chain Supermarket Co., Ltd. hold 20%, 8% and 7% respectively.
According to Qixinbao, the business scope of consumer finance of Shanxi merchants includes issuing personal consumption loans, accepting deposits from domestic subsidiaries of shareholders and domestic shareholders, and borrowing from domestic financial institutions. Its main products are Jinqing Loan (credit loan product), Elephant Staging (inclusive finance product) and Elephant Wallet (credit value-added service platform).
On March 30th, Yuxin Technology announced its 2020 financial report, revealing the performance of its joint venture company, Jinshang Consumer Finance Co., Ltd. ..
The data shows that in 2020, the consumption financial income of Shanxi merchants was 546 million yuan, up 46.77% from 372 million yuan in 20 19, and the net profit was 54 million yuan, up 3.85% from 52 million yuan in 20 19.
People often complain about "stepping on thunder"
Interface news previously reported that the scene of Shanxi merchants' consumer finance has been frequently thundered in the past two years. They stepped on Fei Da Cloud Loan and Useful Staging respectively, and stepped on the car staging platform Kekejia, the rental staging platform "Yuanbao E Home", the medical beauty staging platform Qiaorong Jinfu, and the education staging platform course stack network offline.
The insiders believe that there are defects in the handling of gold consumption by Shanxi merchants. From the perspective of consumer rights protection, Shanxi merchants have the obligation to properly handle it after consultation with users.
Shanxi merchants' consumer finance once "stepped on thunder" car staging. On 20 16, Shanxi merchants consumer finance and Hakka (Beijing) information technology co., ltd., a staging platform for in-vehicle systems, signed a strategic cooperation agreement. Only two years later, Cocoa's family was included in the list of people who were executed for breach of trust. The specific situation of breach of trust was "violation of property reporting system".
Shanxi merchants' consumer finance has also "stepped on thunder" in tourism staging. In the judgment of Taiyuan Wanbailin District People's Court (20 18) Jin 0 109, the personal travel loan issued by Shanxi merchants' consumer finance was misappropriated by Wang, the actual person in charge of Shanxi International Tourism Co., Ltd. * * 300,000 yuan. It was found by the court that "Jinshang Consumer Finance did not strictly examine the use of customers' loan funds. Regardless of whether the customer actually traveled to the United States, the loan was transferred to the account of Shanxi International Tourism Co., Ltd. after the contract was signed, and the loan was used by the defendant Wang. "
On the black cat complaint platform, Shanxi merchants' consumer finance faces many complaints about credit reporting. Many complaints are self-reported, but there are debts in the credit record that have not been borrowed, so it is required to cancel the record. In addition, due to the collapse of the main body of the cooperation scene, complaints that the service has not been completed and still needs to be repaid have also appeared from time to time. The cooperation platform involves Coca-Cola Bank, Meet Apartment, Yuanbao E Home and so on. And the scene staging business has repeatedly stepped on thunder, which has repeatedly triggered a rent and loan storm.
Shanxi Banking Insurance Regulatory Bureau informed that in the second half of 2020, Shanxi merchants' complaints about consumer finance personal loan business accounted for a relatively large proportion of the total complaints about personal loan business in the province. Involving personal loans