A long time ago, there was news about the new version of credit reference. As soon as the news came out, all kinds of speculations about the new version of credit reference came out. Everyone is concerned about what the new version of credit reference reform has done and when it will go online. Now let's have a look!
Introduction of credit reference system
Recently, the people's Bank of China announced that in order to promote the construction of social credit system and prevent and resolve financial risks, the people's Bank of China has actively organized financial institutions to build credit reference system in accordance with the deployment of the Party Central Committee and the State Council. In 2006, the national centralized and unified enterprise and personal credit information system was officially launched. The credit reference center of the people's Bank of China is specifically responsible for the construction, operation and maintenance of the credit reference system.
Credit information system (namely the basic database of financial credit information) has become an important financial infrastructure in China. It plays an important role in promoting financial transactions, reducing financial risks, helping the public save financing costs, creating financing opportunities, and enhancing social credit awareness. Credit report has become an economic ID card reflecting the credit behavior of enterprises and individuals.
At present, the personal and enterprise credit information system has collected information from 990 million natural persons, 25.918 million enterprises and other organizations, which have access to 3564 and 3465 institutions respectively, and the annual query volume has reached 1.76 billion and 110 million times respectively.
The central bank pointed out that since the online operation of the credit information system, in order to continuously improve the ability of credit information service, the optimization and upgrading of the software and hardware of the credit information system has continued, ensuring the safe and stable operation of the credit information system.
There is no definite online time for the new version of credit reference
In recent years, China's economic and social development has put forward higher requirements for increasing the effective supply of credit information and improving the service level of credit information. The development of financial technology has further provided technical support for improving the service level of credit information system. In order to better meet the credit needs of financial institutions and all sectors of the society, the credit reference center timely launched a new round of system upgrading and optimization work, that is, the construction of the second generation credit reference system.
The central bank pointed out that the upgrading and optimization of the credit information system is still in progress, and there is no clear online schedule. The credit report inquired by financial institutions and the public has not changed, which is not the so-called new version of credit report.
The optimization and upgrading of the credit information system focuses on improving system performance, optimizing the content and display of credit reports, improving product processing and service methods, and improving system management, so as to improve operation and service efficiency and provide better credit information services for financial institutions and the public.
The central bank pointed out that the credit reference center actively explored to add the information collection content of "joint borrowing" in the new version of the credit report. In line with the principle of "respecting the facts", it displayed the borrowing information in each borrower's credit report at the same time to truthfully reflect the borrower's liabilities. In case of subsequent changes in the subject of borrowing, the credit information system will update the information in a timely manner according to the information reported by the financial institutions, and objectively record the actual situation.
The new version of personal credit report is designed to show "5-year repayment records" (including repayment status and overdue amount). The current personal credit report also shows 5-year repayment records, but the display method is slightly different. The purpose of personal credit report showing "5-year repayment records" is to better show the credit status of information subjects, help the public accumulate credit wealth and promote access to financing.
On how to protect the legitimate rights and interests of information subjects in the credit reference system, the central bank said that the credit reference center strictly abides by the regulations on the administration of credit reference industry, carries out credit reference activities in accordance with the law, earnestly protects the legitimate rights and interests of information subjects, such as the right to know, the right to consent and the right to dissent, and strictly guarantees information security. The first is to effectively safeguard the information subject's right of consent. The second is to safeguard the information subject's right to know. The third is to effectively safeguard the right of objection and correction of the information subject. The fourth is to safeguard the right of information subject to rebuild credit record. Fifthly, ensure the information security of information subject. Sixthly, we should continue to strengthen the publicity and education of credit information.