Recently, it has been pointed out that the credit reference center of the people's Bank of China has tried to run a new version of personal credit report, which may be officially launched in the near future. Credit records directly record the personal credit status. It seems that in the future, arrears of water charges will also be recorded in credit records, so we must be careful.
The main function of the credit reference system led by the central bank is to optimize the business environment, warn of credit risks and reduce the cost of national development through the sharing of credit information. During this year's NPC and CPPCC sessions, Chen Yulu, vice governor of the people's Bank of China, said in response to a reporter's question: "when banks and financial institutions issue loans, they ask enterprises and individuals who want to borrow money from banks to buy houses. You should bring your credit report. I fully understand your repayment ability. Of course, now credit reference is gradually used in the social field. We see many daughters looking for boyfriends. The future mother-in-law says, "you have to show me the personal credit report of the people's Bank of China.";. '
According to expert analysis, compared with the old version, the new version of personal credit report will be more detailed, comprehensive and accurate. In the new version of personal credit report, personal information is more complete and spouse information can be viewed. At the same time, career information is more complete, and the amount of information is equal to the resume. The dimensions of the report will be richer and more comprehensive. Information such as payment of telecommunications business and water business, arrears of tax, civil adjudication, enforcement, administrative penalty, minimum living allowance assistance, practice qualification and administrative reward will also be included. In addition, the new version of the report can more truly reflect the personal credit status, and the credit management of financial institutions will become more targeted and the risk management will be more accurate, It can effectively reduce credit risk.
Dong ximiao, vice president of Chongyang Institute of finance, Renmin University of China, said: "first, it is more complete and the data is more complete, which can describe a person's credit level more systematically and accurately. The second aspect is that its data update is more timely. If you want to do something in a short time, it is not possible. At the same time, some bad records are kept for a longer time. '
The construction of credit investigation system plays an important role in the construction of a credit punishment mechanism of "one breach of credit, limited everywhere". It is understood that the information in the new personal credit report covers all aspects of people's life. Any dishonesty in any place may be recorded in the new personal credit report. When individuals apply for loans, whether it is housing loans, car loans or consumer loans, most of the financial institutions will check the personal credit report first. Therefore, once a negative record is left in the credit report, it may affect the approval of credit.
Dong ximiao's analysis: "I think from the credit report, of course, the data will be better if it is more comprehensive, detailed and accurate. In the past, our credit report mainly collected data on loans, such as bank loans and the use of credit cards. Now we will expand some other information, such as the payment of water and electricity charges and taxes related to economic behavior. But at the same time, we should do a good job in the protection of information security and personal privacy. '
Along with the new personal credit report which contains more personal information, there are also challenges to the protection of personal information. Some people in the industry believe that the establishment of personal credit reporting by the central bank is different from the collection of personal information by some social credit agencies, and it will be more comprehensive in terms of personal information security and personal privacy protection. Yue Shenshan, a lawyer at Beijing Yuecheng law firm, pointed out that the access and use of information should be further standardized to avoid infringement of personal privacy.
'This time, a lot of information has been added to the personal credit reference system, and this information covers all aspects of life and work, so we should standardize the retrieval and query of information, such as who can query, what content to query, and there should be corresponding traces in the process of query, so as to effectively avoid being abused for other purposes. 'said Yue Shen Shan.
Some people in the industry suggest that we should improve the information protection legislation, build a credit sharing environment, guide key industries and leading enterprises to establish the rules for the development and utilization of personal information within the national legal framework, and give full play to the industry self-discipline management mechanism.
Dong ximiao pointed out: "for example, we need to introduce a personal information protection law to clarify the corresponding rights, responsibilities and interests; we need to introduce some departmental rules and regulations, and we need to strengthen industry self-discipline. For example, several large Internet companies, which collect a lot of data, should strengthen self-discipline and improve the level of technology. I think there is still a lot of work to be done to raise awareness and strengthen protection from the perspective of rules and regulations. '