"robbing Peter to pay Paul", keeping the card with the card, and "washing the white" after a serious breach of contract ... these dishonest behaviors are likely to have more serious consequences.
It is understood that the Credit Information Center of the People's Bank of China has tried out a new version of personal credit information report, which may be officially launched in the near future. By then, the restrictions on the above-mentioned dishonesty will be more stringent.
What are the differences between the new personal credit report of the central bank and the old one? What impact will the upgrade of credit report have on personal life? How to protect personal information? Around these problems, the reporter of Economic Daily interviewed experts and scholars in the industry.
The credit dimension is more diversified.
"From the current point of view, the trial operation of the new version of the credit report is ideal, and there are no major problems. The overall content and columns should not change much during the trial operation stage, and some minor problems should be modified at most according to the trial operation. " He, a special researcher at Suning Financial Research Institute, told the Economic Daily reporter.
He said that the updating and construction of personal credit information data is a very difficult thing and needs the cooperation of many parties. Therefore, the launch of the new version of the credit report by the central bank's credit information center must be a prudent decision after many considerations.
On the one hand, in the past few years, great progress has been made in the infrastructure construction of the national information system, and national networking and interconnection have been realized in many aspects, making it possible to collect important personal information; On the other hand, the development of internet finance and financial technology in recent years has made personal information more perfect and the credit dimension has a diversified foundation. At the same time, the economic development in the new era puts forward new requirements for personal credit investigation. How to reflect personal credit status more effectively, comprehensively and accurately, and how to quickly build a perfect and efficient credit society has become an important task of the current credit information industry.
So, what is the biggest difference between the new personal credit report and the old one? He revealed that it can be summarized as three major changes, namely, more detailed, more comprehensive and more accurate.
The first one is more detailed. The new personal credit report will make personal information more detailed. In addition to the old personal basic information, the new personal information will be more complete, and you can also view spouse information. At the same time, professional information is more complete, and the amount of information is equivalent to that of resume. More detailed information will make personal credit situation more clear.
The second is more comprehensive. The new personal credit report is richer and more comprehensive. For example, if the repayment record is extended to 5 years, detailed repayment information and overdue information will be recorded; The new repayment amount, overdue or overdraft amount will also be marked. In addition to financial information such as loans, the new version of credit information will include a wider range of information, such as telecommunications business, water business payment, tax arrears, civil adjudication, execution, administrative punishment, subsistence allowances, professional qualifications and administrative rewards.
In this way, the personal credit report can better reflect the personal credit situation and enhance the credibility and practical application of the personal credit report, which is also the biggest difference between the new version and the old version.
Finally, more accurate. The new version of personal information is more detailed and comprehensive, which can truly reflect personal credit status. The credit management of financial institutions will become more targeted and risk management more accurate, which can effectively reduce credit risk.
Closely related to daily life.
It can be said that the information in the new personal credit report covers all aspects of people's lives. Bad faith anywhere may be recorded in the new personal credit report. When an individual applies for a loan, whether it is mortgage, car loan or consumer loan, most financial institutions will check the personal credit report first. Therefore, once a negative record is left on the credit report, it may affect the credit approval.
Some market participants found that "divorce in the morning and buying a house in the afternoon will become a thing of the past". In the old version of the credit report, it is assumed that both husband and wife repay the loan together, so the debt is not reflected in the woman's credit report; In the new credit report, both husband and wife, as co-borrower, will show their debts in the credit report.
"Now many cities have implemented the policy of" recognizing the house and recognizing the loan "when recognizing the second suite. If the debt records of both husband and wife appear in the credit report, then if both husband and wife have already bought a house, then after the divorce in the future, the non-main lender will still be recognized as having a mortgage and cannot enjoy the preferential policies of low down payment and low interest rate for the first suite. " A market person said.
"I think it is good to record the payment of water charges, so that the data covered by credit information and the dimensions collected are more and wider, which is helpful to judge and evaluate a person's integrity level and credit situation more comprehensively." Dong Ximiao, vice president of Chongyang Financial Research Institute of Renmin University of China, said in an interview with Economic Daily that the big data of credit investigation should be large enough to describe the integrity level of a person and even a society more stereoscopically.
He also believes that the new version of the credit report will have a more important impact on individuals. He reminded that individuals should pay great attention to their credit situation in their daily lives. From the perspective of social management, it is necessary to build a credit punishment mechanism of "breaking promises in one place and being restricted everywhere" to make it difficult for those who break promises, and it is necessary to add more content closely related to daily life to personal credit reports. "Only by making the dimensions of the credit report more comprehensive can we better promote individuals to enhance their credit awareness and thus promote the construction of the overall credit society." He said to Ye Nan.
Accelerate the legislation of personal information protection
There is no doubt that the new personal credit report will contain more personal information, which also raises people's concerns about the security of personal information. How to protect personal information and what should all parties do?
"The establishment of a personal credit report by the central bank is different from the collection of personal information by some social credit reporting agencies. It should be considered more comprehensively from the aspects of personal information security and personal privacy protection." Dong Ximiao said, "Personal information security and personal privacy protection are indeed very important issues. For example, the European Union has very comprehensive and strict requirements and regulations on the protection of personal information and privacy, and once it violates them, it will be severely punished. Therefore, in terms of personal information security and privacy protection, China should speed up legislation and implement better protection measures. "
Dong Ximiao suggested perfecting information protection legislation and building a credit sharing environment. At the basic law level, we should formulate a personal information protection law as soon as possible, clarify the legal status, right attributes and collection and use principles of personal information rights, and provide a basis for personal information protection; At the level of rules and regulations, under the framework of the basic law, administrative regulations and departmental rules for the protection of personal information are formulated in key areas such as finance, communications, e-commerce, education, medical and health care; At the level of industry self-discipline, guide key industries and leading enterprises to establish professional 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.
He Ye Nan also put forward three suggestions:
From a national perspective, speeding up the legislative process and increasing penalties are the primary measures to protect the safety of personal information. The government should establish a national personal information protection law as soon as possible, clearly define information disclosure and trading behavior, and clarify the charges, the starting point of sentencing and the corresponding penalties.
From the perspective of enterprises, authorized users of personal credit should strengthen their awareness of law, compliance and privacy protection, and pay attention to the privacy protection of personal information in the use of personal credit.
At the same time, in daily business activities, try to reduce the collection of personal information and eliminate the problem of excessive information collection from the source.
From a personal point of view, we should strengthen our awareness of risk prevention and not disclose personal information easily. For example, you should fill in your personal information carefully when registering online and verifying your real name, and don't disclose personal privacy information such as ID number, account number and mobile phone number at will. It is necessary to strengthen the awareness of credit propaganda, pay attention to the maintenance of credit in the use of financial instruments and daily life, and avoid credit stains; Personal credit reports should be inquired regularly. Once bad credit problems caused by abnormal reasons are found, they should be reported in time and handled properly to avoid bad credit affecting future life.