one
The credit information system has been adjusted for two years, covering almost the whole country.
According to the website of the central bank, the Credit Information Center of the People's Bank of China started the switching of the second-generation credit information system on June 65438+1October 65438+July 2020. From June 5438+1October 65438+September, 2020, the Credit Information Center will provide the second-generation format credit report inquiry service for the public and financial institutions.
By the end of 20 19, the credit information system had collected information of 654.38+002 billion natural persons and 2,834.438+000 enterprises and other organizations, and its scale was among the highest in the world.
Just recently, the central bank issued new regulations to comprehensively upgrade the credit information system. On June 2022, 65438+1 October1,China's credit information system was updated from the first generation system to the second generation system. This means that before 65438+February 3 1, all banks must complete the switching and online work of the second-generation credit information system.
Even Baihua recently announced that it will be included in the central bank's credit information system, and banks all over the country are in full swing to promote the collection and reporting of the second-generation credit information data.
Some people say that this upgrade is the strictest in history. What changes will there be? How will it affect everyone?
two
The second generation credit information is more detailed.
According to the introduction of the central bank, compared with the credit report provided by the first generation credit information system, the credit report provided by the second generation credit information system mainly enriches the basic information and credit information content, improves the information display form and improves the efficiency of information update. At the same time, it improves the information updating efficiency of the second-generation credit report, and can reflect the credit status of individuals and enterprises more comprehensively and timely.
No. 1
A number of data have been added to the second generation credit report.
Personal information includes "guarantee provided by individuals for enterprises", "employment status", "nationality" and "contact number". Enterprise information includes "parent organization", "enterprise scale" and "industry".
Compared with the first-generation credit reporting system, the new version of the credit reporting system comprehensively collects education background, employment, e-mail, household registration address, mailing address, all mobile phone numbers under an individual's name, residence information in recent years, work unit and contact information, and all the above information of the spouse will also be collected.
In addition, the husband and wife * * * are no longer just the main lender's liabilities, and their credit information will also be reflected, completely blocking the "fake divorce and real house purchase".
second
Show personal "5-year repayment record"
The second generation personal credit report shows the repayment records (including repayment situation and overdue amount) in the last five years (that is, 60 months), which is slightly different from the first generation system.
The first generation of credit report shows the contents of "repayment records in the last 24 months" and "overdue records in the last 5 years"; The second-generation personal credit report shows the "five-year repayment record" and the overdue amount in the last two years, which shows the personal repayment information on schedule more comprehensively than the first-generation personal credit report and reflects the personal credit status more comprehensively and accurately.
The record of overdue bad debts in the second-generation credit report will be more detailed, and the display of large loans, installment time and installment amount will be added, as well as relevant data information such as * * * loans, revolving loans and credit agreement information.
In addition to lending information, it will also include information such as telecommunications, water payment, tax arrears, civil judgments, execution, administrative penalties, subsistence allowances, professional qualifications, administrative incentives, etc., and block opportunistic loopholes in many ways;
third place
Take it the same day and submit it the next day.
Compared with the first generation, the update time of the second generation credit information system will be more timely and the inquiry will be more convenient. The first generation of credit information is updated for more than one month, while the second generation of credit information system is collected on the same day and submitted the next day.
The first generation of credit information can only be queried by ID card, including a mobile phone number reported by the last business system under my name. The second generation of credit information will increase the information inquiry of valid documents such as passport and military officer's card, and include the information such as mobile phone number and information update date reported by the last five business systems under my name.
What we need to pay attention to is that the frequency of changing the mobile phone number under an individual's name will become an important basis for loan review!
fourth
The credit information system embodies the guarantee as personal debt.
In the change of enterprise credit report, the second generation enterprise credit report will show that the enterprise guarantee information has not changed substantially, and only the information formats of "overdue amount" and "overdue duration" reflecting the risk status of secured loans have been added.
Starting from next year, providing guarantees for others will also be reflected in the personal debt credit information system, which will affect the approval of personal loans. Even individuals or companies that enter the guarantee will have a debt crisis, and you will be frozen to limit consumption.
Post-editing remarks
Readers, don't believe the false propaganda of spending money to repair credit information online! Personal credit records are in the central bank system. At present, only the central bank can modify them. Even under special circumstances, banks can apply for cancellation of overdue, but they must also report to the central bank's credit information system.
Therefore, the cost of personal dishonesty will be higher and higher in the future, and every citizen should maintain his personal credit record.