personal credit information database is China's social credit system construction of important infrastructure, the State Council under the leadership of the People's Bank of China organized by the commercial banks to establish personal credit information sharing platform, its daily operation and management of symptoms by the People's Bank of China Information Center commitment. The database collection, preservation, arrangement of personal credit information for commercial banks and credit report inquiry service I provide for monetary policy, financial supervision and provide statistical information services. Tips: Personal credit information database has achieved a national network, as long as you have a lending relationship with a bank, you can place in the country's commercial bank credit to any outlets found in your personal credit report. Personal credit information database - frequently asked questions and suggested answers for a, what is the personal credit information database? Personal credit information database is an important of China's social credit system infrastructure, the State Council under the leadership of the People's Bank of China organized by the various commercial banks to establish personal credit information sharing platform. The database collection, collation, storage of personal credit information for financial institutions to provide personal credit check services for monetary policy and financial regulation to provide information services. Second,
air force one high, promote the establishment of the People's Bank What is the purpose of the database? Establishment of the People's Bank personal credit information database designed to help commercial banks improve risk management and credit management efficiency, prevent credit risks, and promote the healthy development of consumer credit, financial supervision and monetary policy for the provision of services. Meanwhile, credit to help individuals accumulate wealth, to facilitate personal loans. Third, what is the personal credit report? Personal credit report is a comprehensive record of personal credit, reflecting the credit status of individual files, individual credit information database is based products. Fourth,
nike air force one high, the database of information collected and who? Personal Loans If you do not but want to be included in the database, how to do? Personal credit information database to collect all held in commercial bank loans and credit card information of natural persons. Current data collection has just begun,
air force one shoes, in mid-December this year, has been completed in Beijing, Chongqing, Xi'an, Nanning,
air force 1 shoes, Shenzhen and Huzhou, Mianyang and other seven cities state-owned commercial banks, joint-stock commercial banks and city commercial banks of data collection, and opened the network query. Next year will be gradually expanded to all the country's commercial banks and rural credit cooperatives in some conditions, and gradually opened the country part of all commercial banks and rural credit cooperatives in the network query. Currently, if the borrower does not have a credit card no bank wants to be included in the personal database is one more convenient way to the bank to apply for a credit card. Fifth, to collect personal credit information database based on what information? At present, the individual credit information database of personal information collected includes three types, namely identifying information, including name, ID number, home address,
air force one low nike, work units; second loan information,
nike air force one low, including bank loans, the loan amount, loan period of repayment, the actual repayment records; third credit card information, including card issuing banks, credit limits, repayment records. With the gradual improvement of database construction, will also collect personal pay telephone, water, electricity, gas and other utility costs of the information, and civil court judgments, taxes and other public information. Sixth, the circumstances under which someone can access their personal credit information in the database? Information in the database of external public? For the protection of individuals and the legitimate rights and interests of commercial banks, commercial banks can only authorized in writing by the parties, in examining personal loans, credit card application or review whether to accept the individual as a guarantor of consumer credit business and personal loans have been issued and a credit card tracking risk management can access their personal credit information database. The activities of all queries, including queries personnel, query time, query the reasons for such, all recorded in the database. Individuals collected in the database of information on their own have the right to know. Trial run in the database, individuals apply for a new loan or credit card, you can get from commercial banks my credit report. Personal credit information database information between commercial banks and personal loans information personal loans only to banks, not made public. Seven, if my records in the database disagreement on how to do? If the borrower in the database record my disagreement on the trial run period, may apply to the People's Bank of China Bank of credit information service center or the local People's Bank of points, branch reflects the order in a timely manner to correct errors. Eight, the establishment of individual credit information database of personal benefits? Establishment of individual credit information database is the biggest benefit to the individual accumulation of credit for personal wealth. Currently, individuals applying for bank loans, credit cards and other services, you need to take a long time, but also need to provide a lot of material, for a lot of proof to prove their credit status, time-consuming, in many cases, it may not prove credit conditions are not loans. Personal credit information database is completed, the equivalent of an individual to establish a credit file, and each time the timely payment of water, electricity, gas, and telephone charges, and debt service to the bank on time, will accumulate into a reputation for personal wealth, reputation can be used as collateral for bank loans, for the future to facilitate access to bank loans. Atlas Atlas entry for more extended reading: 1
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