The new version of the personal credit report will go online: the card will be included in the scope of the letter of credit

    The three major focus analysis of the new version of personal credit report

Whether personal financial information is streaking bad online loans can be curbed by the purchaser's first loan qualification has no effect

● In the rule of law construction of the credit system, the rule of law construction in the credit reporting industry has been gradually established.

● The new version of the personal credit report can view the spouse information, extend the repayment record to 5 years, and will also include telecommunications services, water supply business payment, tax owed, civil ruling, enforcement, administrative punishment, subsistence allowance, and eligibility for practice. Administrative rewards and other information

● After the new credit information system expands the source of credit information, it will help to more reliably assess the credit risk of specific entities and prevent various types of transaction risks including financial risks.

    At the moment, “credit” no longer refers to one person’s perception of another, and it has a huge impact on people’s lives. Buying a house, staying at a hotel or even a bidding activity, if your credit report is not good, you can't do anything, and you are restricted everywhere.

    For this reason, the news that the new version of the personal credit report of the central bank is likely to be officially launched in May has attracted attention. Such means as "removing the east wall to make up the Western Wall", card-raising cards, and "washing white" after the serious breach of contract will be included in the scope of dishonesty; "What new loan restrictions will be added" "Will the first-home loan be processed? "More strict review" has also become the focus of most people's concerns.

The "Legal Daily" reporter learned that the new version of the personal credit report can check the spouse information, extend the repayment record to 5 years, and will also include telecommunications services, water supply business payment, tax owed, civil ruling, enforcement, administrative punishment, Information such as subsistence allowances, practicing qualifications, and administrative rewards have blocked the loopholes of opportunisticity in many ways.

In the view of Li Junhui, a special researcher at the Intellectual Property Research Center of China University of Political Science and Law, the fundamental purpose of establishing a credit information system is to prevent risks and establish a mechanism of “distrust and punishment, trustworthiness and praise” to promote the construction of a credible society. After the new credit information system amplifies the source of credit information, it will be more reliable for assessing the credit risk of specific entities, which will help prevent various types of transaction risks including financial risks.