What does personal credit information prompt mean?

The credit records available through this platform include: personal credit information tips, personal credit information summaries and personal credit reports. Personal credit information prompt refers to the prompt information of whether registered users have overdue records in the personal credit information system, such as whether there are overdue records of loans and credit cards in the last five years, and records of quasi-credit card overdraft for more than 60 days. Personal credit information summary provides registered users with the summary information of their credit records, public records and inquiry records in the personal credit information system, while personal credit reports cover detailed information.

I. Credit

Credit refers to the trust gained by fulfilling promises, and credit is the trust and honesty accumulated for a long time. Credit is scarce and unstable. The credit accumulated in ten years is often lost because of a moment's words and deeds. It still refers to the positive record of our past commitments, and it is also a kind of behavior art, a behavior management mode that everyone can try and manage themselves.

Second, the credit report

China's legal system has gradually matured, and various laws and regulations have emerged with the needs of social development and economic construction. However, the legislation of credit reporting is still lagging behind. The promulgation of the "Regulations" will fill the gap in China's credit information legislation and is of great significance to promoting the healthy development of China's credit information industry. Some netizens have suggested that once the Regulations on Credit Information Management is passed, its contents and provisions can become the legal basis for court decisions, which indicates that China's credit information legislation has entered the fast lane.

China's credit legal system has been established for some time, but there is still a long way to go to establish a unified credit legal system. The existing laws and regulations on credit investigation are mostly rules and local laws, which tend to divide departments and regions, which violates the inherent requirements of market economy for a unified market. In addition, the existing laws and regulations themselves need to be improved. Therefore, under the long-term goal of formulating unified laws or administrative regulations on credit reporting as soon as possible, the Regulations on Credit Reporting Management has important theoretical and practical significance for promoting the overall credit progress of China and even the long-term development of China's economy. For China's immature credit information industry, it is an inevitable requirement to speed up the legislative process and strengthen the effective management of credit information industry to ensure the sound and rapid development of credit information industry and market economy.

Through legislation, commercial banks and other credit information providers are required to inform enterprises or individuals in advance when reporting bad credit information to credit reporting agencies to ensure the accuracy of credit information. On the one hand, it is conducive to improving the legitimacy of the credit investigation procedure, on the other hand, it is also conducive to reducing the social costs afterwards, including litigation costs. As operators, banks should bear more social responsibilities and remind credit risks. Before providing bad records to the credit information system, a bona fide confirmation system shall be established, and the parties concerned shall be informed in writing in time, and the opportunities and channels for the parties to raise objections and defend themselves shall be provided.