The main differences between the second generation and the first generation are information collection, product processing, technical architecture and security protection. The Credit Information Center of the People's Bank of China has improved the efficiency of information collection, and at the same time, the information displayed to everyone is more comprehensive and accurate. In the technical field, the service efficiency of information collection is greatly improved, such as the daily update of information T+ 1. In terms of security protection, the system uses digital certificate and USBKey certificate to provide information security.
After the second-generation credit information is launched, users are advised to avoid excessive debt, repay on time and actively safeguard personal credit.
The content of this article comes from: China Law Publishing House "The All-knowing Series of Common Sense of Legal Life".
The difference between the second generation and the first generation
As an upgraded version of the first generation of credit information, the new version of credit information will focus on solving the information that can not be covered by the first generation of credit information, such as revolving loans, large-scale special installment of credit cards, personal guarantees with borrowers and enterprises, personal guarantees for enterprises, overdue repayment information and so on.
1. Credit investigation refers to collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and conduct credit management activities. From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.
2. Credit investigation is an activity in which a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.
3. Credit information records an individual's past credit behavior, which will affect the individual's future economic activities. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council promulgated the Regulations on Credit Management (Draft for Comment), and solicited opinions from all walks of life on the Regulations on Credit Management.
Fourth, credit investigation activities originated from the emergence and development of credit transactions. Credit is a special form of value movement based on repayment, including currency lending and commodity credit sales, such as bank credit and commercial credit. Modern economy is a credit economy, and credit, as a specific economic transaction, is the product of the development of commodity economy to a certain stage. The essence of credit is a relationship between creditor's rights and debts. The credit information publicity book refers to the fact that the respondent (creditor) believes that the trustee (debtor) has the repayment ability and agrees with the promise made by the trustee in the future. However, when the commodity economy is highly developed and the scope of credit transactions is increasingly extensive, especially when credit transactions spread to the whole country and even the whole world, it will be extremely difficult for one party to know the credit status of the other party. At this time, understanding the credit status of market participants has become a demand, and credit investigation activities have also emerged. It can be seen that credit investigation is actually produced and developed with the emergence and development of commodity economy, and it is a credit information service provided for credit activities.
5. Credit investigation is an ancient word in China. In Zuo Zhuan, there is a saying that "a gentleman's word is a promise, but it is hard to catch up with it", which means that whether a person keeps his word can be verified. With the development of modern credit information system, individuals engaged in economic activities have an "economic identity card" in addition to their resident identity cards, that is, personal credit reports.
What is the difference between the second generation letter and the first generation letter?
The second generation personal credit report includes eight parts: report header, personal basic information, information summary, credit transaction information details, non-credit transaction information details, public information details, labeling and declaration information, and inquiry records.
As an upgraded version of the first generation of credit information, the new version of credit information will focus on solving the information that can not be covered by the first generation of credit information, such as revolving loans, large-scale special installment of credit cards, personal guarantees with borrowers and enterprises, personal guarantees for enterprises, overdue repayment information and so on.
Main differences between two generations of credit information systems:
In addition to the wider coverage mentioned above, the second generation of credit information has been upgraded compared with the first generation.
First, add anti-fraud warning information and objection prompt information in the report title.
The new anti-fraud warning information may be related to the frequent phenomenon that individuals are used to apply for credit cards and loans; Objection prompt information means that if the information subject has any objection to the content of its credit report and is handling the objection, such as incorrect information or overdue error, the details of the objection will be displayed.
Second, in the personal information part, employment status, nationality, e-mail address and company nature are added, and statements and labeling information related to the basic information of the information subject are added. Mobile phone number, company phone number and home phone number are all adjusted to display at most 5.
The third generation and the second generation of credit investigation adjusted the non-credit transaction information, mainly aimed at the payment information of public enterprises such as telecommunications.
Fourth, add "summary of other personal repayment responsibilities"
Fifth, in credit information, credit transaction information is divided into different categories, such as non-revolving loan account, revolving loan account, credit card account, revolving line sub-account, collection account, etc.
Sixth, for large-scale special installment of credit cards, it includes four data items: large-scale special installment quota, installment quota effective date, installment quota expiration date and used installment amount. However, it is still unclear whether the general credit card installment business will be shown in the personal credit report.
Seventh, in terms of overdue repayment information, the summary of default information has been increased, and the collection time of "recovering overdue funds" has been increased to reflect overdue repayment information in a timely manner.