Let's go In terms of credit, the loan will be on many credit platforms.
At the end of 20 17, Paipai Loan announced access to a number of credit information platforms. In addition to the central bank's credit information system, Sesame Credit and China Internet Finance Association's "credit information sharing platform" will record the credit information of users who make loans. Therefore, users who apply for and use loans must pay attention to timely repayment and protect their credit.
On February 26th, 2020, the Chinese Cabbage Financial Platform announced that the Chinese Cabbage Financial Platform has recently completed data docking with the Credit Information Center of the People's Bank of China (hereinafter referred to as "Central Bank Credit Information"), and all credit information related to the borrower's loan will be submitted to the Central Bank Credit Information System in full on a regular basis.
Previously, the Asset Management Blackboard reported that many platforms, such as Yirendai, Paipaidai, Huizhong.com, Qianjin Jin Fu, Duolerong, Henghuirong, Shoujin.com, Daokoudai and PPmoney, had announced their access to the central bank's credit information system, and P2P platform access to the central bank's credit information system ushered in substantial progress. The state has continuously intensified its crackdown on debt evasion.
After accessing the credit information system, P2P institutions are included in the scope of credit information supervision. As a reporting agency, they need to cooperate. From this perspective, the construction of the system is actually to protect the rights and interests of financial consumers.
It should be noted that P2P online lending institutions should also provide interest rate information of online lending transactions to credit reporting agencies.
Among them, the interest rate exceeds the lending rate supported by the people's court in the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases.
Information subjects have the right to raise objections to financial credit information basic database operators, hundreds of banks and other credit institutions or P2P online lending institutions according to the Regulations on the Administration of Credit Information Industry, and demand corrections.
According to Yang Dong, director of the Financial Technology Research Center of the Institute of Future Rule of Law of China Renmin University, submitting interest rate information can strengthen the supervision department's grasp of the platform, enhance the transparency of interest rate information, and help to better supervise P2P institutions.
Relevant persons close to the supervision said that if the interest rate exceeds the provisions of the Supreme Law, the borrower has the right to raise objections and amendments to the credit reporting agency, which is the protection of the borrower.
But this does not mean that the debt can be repaid, and the principal of the loan and the interest within the scope of legal protection need to be repaid. The part exceeding the provisions of the Supreme Law may not be returned, or it may be advocated not to be recorded.
Extended data:
Some online lending platforms are connected with the central bank's credit information system.
From 2065438 to September 2009, the leading group for special rectification of Internet financial risks and the leading group for special rectification of online loan risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System (hereinafter referred to as the Notice).
According to the notice, P2P online lending institutions in the camp will be supported to access the credit information system, and at the same time, they will continue to crack down on the evasion of debts by P2P online lending institutions that have withdrawn from business, and increase the punishment for untrustworthy people in the online lending field.
The association said that the publication of the Notice is of great significance for preventing overall systemic financial risks and improving financial infrastructure, which further promoted the construction of social credit system.
It is worth mentioning that the access to the credit information system in the online lending industry has been steadily advanced, and the construction of the credit information system in the central bank's credit information center has also made new progress. On June 65438+1October 65438+September, 2020, the second-generation credit information system of China People's Bank Credit Information Center was officially launched.
On the basis of the first generation, the second generation credit information system has been greatly optimized and improved, and the credit records in the past two years have been improved to reflect the overdue records and repayment records in the past five years, so that the credit status of individuals and enterprises is more comprehensive and timely, and the punishment for dishonesty is more stringent.
The association believes that the online lending platform has entered a new stage of implementation by accessing the central bank's credit information system, effectively reaching the legitimate demands of many parties in the market and will play an active role in many aspects. On the one hand, it can reduce the risk control cost of the platform and improve the operation and maintenance efficiency.
In the future, there will be more and more online lending platforms that fully access the central bank's credit information system, all data will be connected, loan and repayment records will become well-founded, and the comprehensive credit evaluation ability of the platforms will be greatly improved.
On the other hand, it can create an honest and trustworthy social atmosphere. If the borrower breaks his promise, it will be recorded in the personal credit report, or face disciplinary measures such as raising the loan interest rate and restricting the provision of loans.
Breach of trust has been effectively restrained, and the situation of malicious evasion of debts may be further improved, the repayment efficiency will be improved, and the rights and interests of creditors will be substantially guaranteed.
Borrowers with false data entry have the right to ask for correction: it is worth mentioning that online lending platform can effectively protect financial consumers and protect personal credit rights. Borrowers can independently inquire about personal credit reports.
If it is found that the credit information is untrue, the borrower has the right to file an objection application with the credit information agency or information provider, asking for correction, so as to avoid possible subjective errors in data submission.
Previously, credit reporting agencies and institutions submitting information had requirements for the protection of the rights and interests of information subjects. When there is an objection, the information subject can raise an objection to the credit reporting agency or the information provider in question.
If you can't solve it, you can also complain to the local people's bank. Specifically, we must first verify the facts and need the cooperation of information providers.
Do you have the credit information of the loan?
At present, the loan cannot be used for credit investigation. Auction loan has not been included in the central bank's credit information system from loan application to loan issuance, but auction loan is now trying to build its own credit information system. After the completion of the construction, if there is overdue repayment or non-repayment, it will be included in the credit information system of the loan, which will have an impact on your personal credit information. Once overdue, it will be difficult to borrow money on the platform. According to the current trend, in the near future, similar online lending platforms will be included in the central bank's credit information system, and overdue loans or other bad records will be uploaded. It is recommended that you repay on time. Auction loans have not been included in the central bank's credit information system, so loan credit information is not provided for the time being. However, the records of loans and overdue loans will be uploaded to the credit information system. If the repayment is overdue, it will first affect your personal credit and your future life and work. And the longer the overdue time, the higher the overdue fee and the greater the burden. If you are in loans overdue, there will be a special collection staff to communicate with you. If you don't repay the loan, it will affect your family and friends. If the overdue behavior is particularly serious, you may be sued and the trouble will be even greater, so you still have to repay the loan on time. 20 18 has been connected to the central bank's credit information system.
According to Xinhua News Agency and People's Daily Online, in 20 18, the People's Bank of China announced that in order to prevent and resolve the risks of P2P online lending platform and establish and improve the Internet credit system, the information of the first batch of P2P online lending platform borrowers' malicious evasion of debts has been included in the central bank's credit information system, involving an overdue amount of nearly 200 million yuan.
Under this regulation, a number of mutual gold platforms (P2P platforms) have uploaded the Lao Lai list to the central bank's credit information system, and the lists of auction loans, pleasant loans, search easy loans and 5 1 credit cards have all been uploaded.
In addition, the central bank said that in the next step, the information of executives who lost contact and ran away from the online lending platform will also be included in the credit information system. All localities will also notify the new names of borrowers who maliciously evade debts, supplement and improve relevant information, and form constraints on those who evade debts. Extended data:
According to relevant persons of the central bank, after screening and examination by online lending platforms and local financial offices, the information of the first batch of borrowers' malicious evasion of debts has been included in the financial credit information database, which can provide services for more than 3,900 lending institutions accessing the database. At the same time, the information of malicious debt evasion of online loan borrowers is also incorporated into the credit information system of 100 banks simultaneously, which is convenient for 24 1 institutions that have signed contracts.
According to industry insiders, these P2P "Lailai" information, including the borrower's name or enterprise name, ID number or unified social credit code, mobile phone number, accumulated loan amount, overdue amount, and whether or not to lose contact, will be mastered by more than 4,000 financial institutions. According to the law, "Lai Lai" who enters the credit information system will be restricted in many aspects and deprived of some rights in business, travel and life.
Do you have the credit information of the loan? Many people around me are using it. Does it affect credit reporting?
When applying for a loan, many people are more concerned about whether the loan they apply for is on credit, and worry that the credit on the loan will affect their later mortgage, car loan and other loans. Then, as a well-known platform in P2P industry, will Lending Treasure be credited?
Paipai Loan is a platform to access the credit information system of China People's Bank, and it is also the first P2P platform to access the credit information system of hundreds of banks. Therefore, the credit will be collected at the meeting, but the credit will not necessarily bring bad consequences to yourself. As long as the number of times users apply for loans is not many, and there is no bad overdue record, it will not have a negative impact on their credit.
If users apply for loans too many times, there will be many loan records in the credit report, especially in a short period of time, which will affect their other loans in the later period. More loan records show that users are currently short of money and have insufficient natural repayment ability, which will be affected when applying for other loans.
If the user does not repay the loan, the consequences will be more serious. Once there are overdue repayment records in the credit report, and the overdue situation is still serious, it is difficult to apply for other loans. Other loan platforms are also worried that users will not repay their loans within the time limit and will naturally refuse their loan applications.
Therefore, to sum up, although the credit was collected at the auction, as long as the user applied for the auction loan and repaid it on schedule, applying for more loans would not have a negative impact on himself, and if the user maintained a good repayment habit in the auction loan, it would also be helpful to other loans in the later period.
If the user repays the loan on time, it shows that the user has a strong sense of performance. This kind of users have a relatively small probability of loans overdue, so they will be loved by the loan platform. Therefore, it is not a bad thing to collect credit information on loans, mainly depending on whether users can maintain a good credit status.
I heard that the pat on the loan was also on the credit report. Is it true?/You don't say.
I can tell you clearly that this is true, but if you go to collect credit, you will only collect credit if it is overdue. If it is not overdue, it will not go to the credit bureau. Only credit inquiry records will be displayed. If it's not overdue, don't worry, don't be fooled.