@Every Xuzhou person, the personal credit report has changed. The second generation personal credit report will be officially launched on New Year’s Day!

More than a year has passed since the central bank's second-generation credit reporting system was switched to operation. At present, banks have entered the sprint stage, and credit card and personal loan data will be covered without blind spots.

一

It has been 2 years since the credit reporting system was adjusted, covering almost the whole country

The central bank’s website shows that the Credit Reporting Center of the People’s Bank of China announced in January 2020 On the 17th, the second-generation credit reporting system was switched online. Starting from January 19, 2020, the Credit Information Center will provide second-generation format credit report inquiry services to the public and financial institutions.

As of the end of 2019, the credit information system has collected information on 1.02 billion natural persons, 28.341 million enterprises and other organizations, ranking among the top in the world in terms of scale.

Just recently, the central bank issued new regulations to comprehensively upgrade the credit reporting system. Starting from January 1, 2022, my country's credit reporting system will be updated from the first-generation system to the second-generation system. This means that before December 31, all banks must complete the switch and launch of the second-generation credit reporting system.

Even Huabei announced a while ago that it will be included in the central bank’s credit reporting system, and banks across the country are intensively promoting the collection and reporting of second-generation credit reporting data.

Some people have commented that this upgrade is the most stringent in history. What changes will it bring? How will it affect everyone?

二

The second-generation credit information is more detailed

According to the central bank’s previous introduction, compared with the credit reports provided by the first-generation credit system, the second-generation credit information is more detailed. The credit report provided by the system mainly enriches the basic information and credit information content, improves the information display form, and improves the efficiency of information update. At the same time, the second-generation credit report information update efficiency has been improved, and it can reflect the credit status of individuals and enterprises in a more comprehensive and timely manner.

No.1

Multiple data are added to the second-generation credit report

Personal information is added to display "individuals provide guarantees for enterprises" and "employment status" , "nationality", "contact number", etc.; corporate information is added to display "superior organization", "company size", "industry", etc.

Compared with the first-generation credit reporting system, the new credit reporting system will comprehensively collect education, employment, email address, household registration address, mailing address, all mobile phone numbers in the personal name, residence information in recent years, Work unit, contact information, and spouse’s information will also be collected.

In addition, when a couple borrows money together, only the primary lender will bear the debt. Both people's credit reports will be reflected, completely blocking "fake divorces and real house purchases."

No.2

Show personal "5-year repayment record"

The second-generation personal credit report will show the last 5 years (i.e. 60 months) Repayment records (including repayment status, overdue amount) are slightly different from the display method of the first-generation system.

The first-generation credit report displays the "repayment record in the last 24 months" and the "overdue record in the last 5 years"; the second-generation personal credit report displays the "repayment record in the last 5 years" and the overdue record in the last 2 years. Amount, more comprehensively displays personal on-time repayment information than the first-generation credit report, and more comprehensively and accurately reflects personal credit status.

The second-generation credit report will have more detailed records of overdue bad debts, etc., and will also increase the display of large loans, installment time and installment amount, as well as information on simultaneous loans, revolving loans, and credit agreements. and other relevant data information.

In addition to loan information, information such as telecommunications, water service payment, tax arrears, civil judgments, enforcement, administrative penalties, subsistence allowance assistance, professional qualifications and administrative rewards will also be included to block fraud in many aspects. Avoid the loopholes of opportunism;

No.3

Collect on the same day and submit the next day

The update time of the second-generation credit system will be more timely than that of the first generation , the query is also more convenient. The first-generation credit information system takes a month or more to update, while the second-generation credit information system collects information on the same day and can submit it the next day.

The first-generation credit report can only be queried with the ID card, and includes a mobile phone number reported by the system for the most recent business under the person's name. The second-generation credit report will add information about valid documents such as passports and military officer ID cards, and includes the person's name. Below are the mobile phone numbers and information update dates reported by the business system for the last five times.

We need to note that the frequency of changing mobile phone numbers under one’s name will become an important basis for loan review!

No.4

The credit reporting system reflects guarantees as personal liabilities

In terms of changes in corporate credit reports, the second generation of corporate credit reports will display corporate guarantees There are no substantive changes to the information, only the "overdue amount" and "overdue duration" information formats that reflect the risk status of the guaranteed loans are added.

Starting next year, providing guarantees for others will also be reflected in the credit reporting system for personal liabilities. At least it will affect the approval of personal loans. At worst, if the person or company who provided the guarantee has a debt crisis, you will also The frozen assets restrict consumption.

Editor's Foreword

Readers, please do not believe the false propaganda about spending money online to repair your credit report! Personal credit records are in the central bank's system, and currently only the central bank can modify them. Even if banks can apply to eliminate overdue credit under special circumstances, they must still report to the central bank's credit system.

Therefore, the cost of personal dishonesty will become higher and higher in the future, and every citizen must maintain his or her personal credit record.