Personal dishonesty is caused by a variety of reasons, in addition to real malicious dishonesty, there are a considerable number of bad credit is caused by negligence. Many people are still unfamiliar with the word "credit investigation", and a negligence will "break the promise". In addition, when promoting credit cards, bank staff often talk about their benefits, but they are vague about customers' obligations and consequences of default, which leads customers to pay insufficient attention to the credit stain caused by overdue repayment. In addition, some objective factors will also lead to the occurrence of dishonesty, such as the upgrading of the banking system, which will lead to the change of the repayment account number of the parties. Some netizens pointed out that the negative information in personal credit records will be kept for 7 years abroad, while the bankruptcy records of enterprises and individuals will be kept for 10 years. However, in China, there is no clear legal provision on how long negative information in personal credit records should be kept.
According to the operating rules of personal credit information system, after accepting the objection application, the credit information management department of the grassroots people's bank should immediately transfer it to the credit information service center, then to the corresponding commercial bank for investigation, reply to the credit information service center after inquiry and verification, then return to the credit information management department of the local people's bank and notify the applicant. There are many links in this process, and most commercial banks are overdue in the investigation, which leads to a long time-consuming objection application.
Credit institution: refers to a legal person institution that is approved to be established in accordance with relevant regulations, collects personal credit information, and provides personal credit information consultation and rating services to commercial banks and other users of personal credit information;
Refers to the enterprise legal person engaged in credit reporting business activities approved by the credit reporting supervision and management department. It is a third-party organization other than the two parties to the credit transaction, with a certain scale of credit information database.
In a narrow sense, a credit reporting agency refers to a profit-making information service professional institution specializing in the collection, processing, evaluation and dissemination of credit information. Generally speaking, it refers to an enterprise legal person that is approved by the credit supervision and management department and specializes in credit business activities. Credit agencies are usually divided into three categories, namely, enterprise credit agencies, individual credit agencies and property credit agencies. The concept of credit reporting agency can also expand the types of enterprises in other credit management industries, such as credit rating, enterprise collection, credit management consulting and other institutions, and even produce different titles.
Credit investigation plays an important and fundamental role in promoting the development of credit economy and the construction of social credit system. The first is to guard against credit risk. Credit information reduces the information asymmetry of all parties to the transaction and avoids the transaction risk brought by information asymmetry, thus playing the role of risk judgment and disclosure; The second is to expand credit transactions. Credit investigation solves the bottleneck problem that restricts credit transaction, promotes the achievement of credit transaction, promotes the innovation of financial credit products and commercial credit products, effectively expands the scope and mode of credit transaction, and drives the expansion of credit economy scale; The third is to improve the efficiency of economic operation. Through specialized credit information services, the cost of information collection in transactions can be reduced, the transaction time can be shortened, the transaction space can be broadened, the operating efficiency of economic entities can be improved, and economic and social development can be promoted; The fourth is to promote the construction of social credit system. Credit information industry is an important part of social credit system construction. The development of credit information industry is helpful to curb the occurrence of bad credit behavior, protect the interests of trustworthy people, maintain a good economic and social order, and promote the continuous development and improvement of social credit system.