Let me tell the master the eight most important things about change.
One,
Old version of credit reporting: the husband and wife cooperate to repay the loan, the man is the main lender, and the woman's credit reporting does not show the debt.
New version of credit information: As cooperative lenders, both husband and wife are in debt.
In the future, only the main lender will bear the debt, but both of them will show their credit information to further block the way of buying a house through fake divorce.
Second,
Old version of credit information: keep the credit information records of the past two years.
New version of credit investigation: bad information (such as overdue and bad debts) will be kept for 5 years from the date of suspension, and the record will be more detailed (even if it is cancelled).
The previous personal credit report showed the repayment records in the last two years and the overdue records in the last five years, while the new personal credit report will show the repayment records in the last five years, and the overdue bad debt records will be doubly detailed. It will also increase the display of installment time and installment amount of large deposits, as well as relevant data and information such as loan application and revolving deposit credit agreement information.
Third,
Old version of credit investigation: parking space deposit, decoration deposit, etc. are true colors of credit cards in large installments, and credit investigation only shows credit cards, not installment amount, which is not a liability.
New version of credit information: both the time and amount of performance installment are considered debts, and the details are doubled.
Fourth,
Old version of credit reporting: less personal information records and poor integrity.
New version of credit information: comprehensive display of academic information, unemployment, e-mail information, mailing address, household registration address and all personal mobile phone numbers.
The matching information is relatively complete, such as name, certificate example, certificate number, work unit and contact telephone number, and detailed personal residence information in recent years is recorded.
Five,
Old version of credit inquiry: I can only use my ID card to inquire and include a mobile phone number reported by the business system in my name.
The new version of credit investigation: the information inquiry of passport, military officer's card and other useful documents has been added, and the mobile phone number and information update date reported by the business system in my name in the past five times have been included.
Don't think it's nothing, it means. The frequency of changing mobile phone numbers will also become an important basis for deposit assessment.
Six,
Old version of credit information: the update time of credit information is one month or more.
New version of credit investigation: all institutions are required to submit data to the credit investigation center at the collection time T+ 1. Credit updates are doubled in real time (that is, collected on the same day and submitted the next day).
The update of credit information will be more real-time and the query will be more convenient. The update of the first generation of credit information is slower, as long as a month or even longer. The second-generation credit information system collects it on the same day and can submit it the next day.
Seven,
Old version of credit reporting: credit reporting records a little information, such as mortgage, bank card and so on.
New version of credit information: In addition to loan information, it also records information such as telecom, tap water business payment, tax arrears, civil judgment, compulsory performance, administrative punishment, minimum living allowance, professional qualification and administrative reward. (The format has been reserved above the credit report)
In addition to lending information, it will also be classified as information such as telecom tap water service payment, tax arrears, civil judgment, compulsory performance, administrative punishment, minimum living security relief, professional qualification or administrative reward, which has blocked the gap of opportunism in many ways.
Eight,
Old version of credit reporting: providing guarantees for others will not be credited.
New version of credit reporting: guarantee the first credit reporting for others.
Credit information is updated every few years.
The credit information system will update the credit information report once a month, but the specific time depends on two factors, one is the time when the bank reports the data, and the other is the time when the central bank updates the data after receiving the data. After receiving the report data of business-related institutions, the central bank will generally update it within 1~2 months, that is, the data reported this month will not be available until next month or next month.
Users' bank credit records are updated every month, and the credit time of different banks is different, so there is no exact personal credit time. After receiving the report data of business-related institutions, the central bank will generally update it within 1~2 months, that is, the data reported this month will not be available until next month or next month.
In addition, the validity period of the credit report is usually 7-30 days. If the personal credit report may change within 30 days, the printed credit report only shows the status of the personal credit report this month.
If the user has a bad personal credit record, if there is no other overdue behavior within 5 years, the bad record will be automatically eliminated within 5 years. According to Article 16 of the Regulations on Credit Management, the retention period of personal bad information by credit reporting institutions is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.
According to People's Republic of China (PRC)'s Report on the Development of Credit Information Industry in China (2003-20 13) issued by China People's Bank, credit report is a way to collect, sort out, save and process the credit information of natural persons, legal persons and other organizations according to law. [5]
2065438+May 2009, the new version of personal credit information of the central bank was officially announced, and the length and fineness of credit information will be further improved. [ 1]
On June 65438+1October 65438+September, 2020, the second generation credit information system was officially launched.
Development history:
A brief history of domestic development
The development of China's credit information industry has a history of more than 80 years since 1932, when the first credit information agency, China Credit Information Office, was born. But its real development began with reform and opening up. Since the reform and opening up, with the development and expansion of domestic credit transactions, the deepening of financial system reform, the increase of foreign economic exchanges and the deepening of social credit system construction, China's credit information industry has developed rapidly. [5]
Since the reform and opening up, China has gone through the exploration stage, the initial stage, the development stage and the standardization stage.
The Development Course of Reform and Opening-up of Credit Information Industry
Exploration stage: In the late 1980s, in order to adapt to the issuance and management of corporate bonds, the People's Bank of China approved the establishment of the first credit rating company-Shanghai Far East Credit Rating Co., Ltd. At the same time, in order to meet the demand for corporate credit information in foreign-related business dealings, the Computing Center of MOFTEC cooperated with Dunbar Company, an international corporate credit reporting agency, to provide credit reports for Chinese and foreign enterprises. 1993, Xinhua Xin International Information Consulting Co., Ltd., which focuses on corporate credit reporting, began to provide services officially. Since then, a number of professional credit reporting intermediaries have appeared one after another, and the embryonic form of the credit reporting industry has initially appeared. [5]
At the beginning: 1996, the People's Bank of China implemented the enterprise loan certificate system throughout the country. From 65438 to 0997, Shanghai launched corporate credit rating. With the approval of the People's Bank of China, Shanghai conducted a pilot project of personal credit investigation, and Shanghai Credit Investigation Co., Ltd. was established 1999, and began to engage in personal credit investigation and corporate credit investigation services. At the end of 1999, the bank credit registration and consultation system was put into operation. In 2002, the bank credit registration and consultation system was built into a three-level database of prefecture, province and head office, realizing nationwide online inquiry. [5]
Development stage: In 2003, the State Council entrusted the responsibility of "managing the credit information industry and promoting the construction of social credit system" to the People's Bank of China, and approved the establishment of the Credit Information Administration. In the same year, Shanghai, Beijing, Guangdong and other places took the lead in developing regional social credit information industry. A number of local credit reporting agencies have been established and developed rapidly. Some credit rating agencies have begun to explore new credit service fields such as credit rating in the inter-bank bond market, and internationally renowned credit rating agencies have successively entered the China market. In 2004, the People's Bank of China established a national centralized and unified basic database of personal credit information, and in 2005, the bank credit registration and consultation system was upgraded to a national centralized and unified basic database of enterprise credit information. In 2008, the State Council adjusted the credit management responsibility of the People's Bank of China to "manage the credit industry" and took the lead in setting up an inter-ministerial joint meeting on social credit system. 20 1 1 Add the National Development and Reform Commission as the lead unit. On March 20 13, the Regulations on the Administration of Credit Information Industry was formally implemented, which made it clear that the People's Bank of China was the supervision and management department of credit information industry, and the credit information industry entered the legal track. [5]
Normalization stage: On July 6, 20 19, the Guiding Opinions of the General Office of the State Council on Accelerating the Construction of Social Credit System and Building a New Credit Supervision Mechanism pointed out: Accelerate the Construction of Social Credit System and build a new credit supervision mechanism, and make an explanation; [6] On September 27th, 20021year, the People's Bank of China issued the Measures for the Administration of Credit Information Business, which was deliberated and passed at the 9th executive meeting of the People's Bank of China on September 7th, 20021year, requiring institutions that have not obtained the business license of personal credit information business or filed with enterprise credit information agencies before the implementation of these Measures, [7].
A brief history of international development
Due to the different legal traditions and credit reporting modes in different countries, there are great differences in the design of legal system. There are two forms of legislation on credit information industry abroad: special legislation and decentralized legislation. North America and emerging market countries mostly adopt special legislation, while European Union countries and some Asian and South American countries mostly adopt decentralized legislation. Generally, it pays attention to the standardization of personal credit information business, and has less restrictions on corporate credit information business. Most of them have made clear the information collection scope of credit reporting agencies, attached importance to the protection of the rights and interests of information subjects, and endowed them with important rights in credit reporting activities. [5]
Bank of Communications Credit Update Date 2022
On June 65438+1 October1day, 2022, the first-generation credit information was updated to the second-generation credit information.
Old version of credit reporting: both husband and wife pay the same amount, the man takes the main loan, and the woman's credit reporting does not reflect the debt. New version of credit reporting: both husband and wife are the same borrower, and both parties' credit reporting reflects liabilities.
After the husband and wife jointly borrow money, the main lender will no longer bear the debt, and both parties will report the credit information, further blocking the road of fake divorce and real house purchase.
Old version of credit information: keep the credit information records of the past two years.
New version of credit information: Bad information (such as overdue, bad debts, etc.) is kept for 5 years from the date of termination, and the record is more detailed (even if the account is cancelled).
Will the credit information be updated after the epidemic in 2022?
Yes
Old version of credit information: the credit information update time is more than one month.
New version of credit investigation: all institutions are required to submit data to the credit investigation center at the collection time T+ 1. Credit update is more timely (that is, collection on the same day and submission on the next day).
The update time of credit information will be more timely and the inquiry will be more convenient. The update time of the first generation of credit information is relatively slow, as long as one month or even longer. The second-generation credit information system collects it on the same day and can submit it the next day. Comprehensively upgrade the credit information system from 1, 2022, from the first generation to the second generation.