When will the full implementation of China s social credit reporting system be completed?

At the first credit management work conference of the People's Bank of China, Su Ning, deputy governor of the central bank, said that within one to two years, the basic framework of China's enterprise and individual credit reporting system will be initially built. In recent years, China's enterprise and individual credit reporting system has developed to a certain extent, and the bank credit registration and consultation system has been networked nationwide. At present, most commercial banks have taken the inquiry system as a fixed procedure for making loan decisions, and the construction of a basic personal credit information database is being accelerated, but it is still far from meeting the needs of current economic development.

As of the end of March this year, 4.27 million corporate and institutional borrowers have been recorded, and the balance of RMB loans has been recorded as one trillion yuan, and the average monthly inquiry has reached 1.72 million in the first quarter. Suning said that in accordance with the direction of improving laws and regulations, franchising, commercial operations, and professional services, it is necessary to accelerate the construction of a credit reporting service system for enterprises and individuals, establish a credit supervision and punishment system for untrustworthiness, and gradually open up the credit service market. It is necessary to speed up the formulation of credit reporting regulations, standardizing the management of the credit reporting industry and government affairs, enterprise information disclosure, and personal privacy protection.

In particular, it is necessary to properly handle the relationship between the disclosure and use of enterprise and individual information and the protection of enterprise trade secrets and personal privacy.

The People's Bank of China's personal credit reporting system has been in operation since about 2006.

First, the People's Bank of China credit reporting system includes the basic enterprise credit information database and the personal credit information basic database. The basic enterprise credit information database began in 1997 and was launched nationwide online in July 2006.

Second, by the end of 2014, there were more than 10 million enterprises and other organizations included in the database, of which more than 6 million had credit records. The construction of the personal credit information database began in 1999 and was completed at the end of August 2005 with commercial banks and some qualified rural credit cooperatives. In January 2006, the Basic Personal Credit Information Database was officially put into operation.

As of 2015, the database recorded a total of 100 million natural persons, of which 100 million have credit records.

Third, personal credit records are kept in the People's Bank of China credit reporting system. You can try to log in to the People's Bank of China Credit Information Center** to check your credit report: please click here to check your personal credit history; At present, personal credit reports can also be checked through the People's Bank of China counter and professional version (no fee for the time being).

Extended information: The main users of the central bank's credit information system are financial institutions, which are connected to the headquarters of commercial banks and other financial institutions through a special line, and the terminal is extended to the business counters of credit officers of commercial bank branches through a special line. Intranet system of commercial banks.

The information of the credit information system comes mainly from commercial banks and other financial institutions. The information included includes the basic information of enterprises and individuals, credit information such as loans and guarantees of financial institutions, and the main financial indicators of enterprises.

The advantages of establishing a personal credit reporting system are:

1. Save time. A lot of what the bank needs to know is on your credit report, so you don't have to spend as much time researching and verifying the authenticity of the information you fill out in the loan application form. Therefore, the first benefit of credit reporting is that it can save you time and help you get a loan faster.

2. Loan facilities. If your credit report shows that you are a person who repays on time and fulfills contracts conscientiously, the bank will like you. It can not only provide credit services such as loans, credit cards, etc., but also give concessions in terms of amount and interest rate.

3. Credit reminders. If the credit report states that you borrowed money and did not repay it, the bank must be cautious when considering whether to give you a loan. The bank will most likely ask you to provide collateral, guarantees, reduce the loan amount, increase the interest rate on the loan, or refuse to provide you with a loan.

If the credit report shows that you borrowed a lot of money, the bank will be very cautious. It fears that you owe too much debt and may refuse to give you another loan. This reminds you to cherish your credit history and consciously accumulate your credit wealth.

4. Fair credit. Another benefit of a credit check is that it helps you get fairer access to credit. The credit information center objectively records your credit history for the bank, "let the facts speak", and reduces the impact of the subjective feelings and personal emotions of the credit bureau on your loan and credit card application results, so that you can get more fair credit opportunities.

a.Credit file system.

b.Credit check system.

c.Credit assessment system.

d.Credit Inquiry System.

e.Laughing and rolling letter publicity system.

e.Penalty system for dishonesty.

The answer is to the right answer: credit file system; Credit check system. Credit assessment system. Credit Inquiry System. Untrustworthiness Publicity System.

Answer]: a, b, c, d, e

With the continuous development and improvement of the information system, the People's Bank of China has intensified its work of information sharing and coordination with relevant departments; in addition to mainly collecting personal credit information, the personal credit reporting system will also include personal basic identity information, information on compulsory enforcement of civil cases, information on payment of various social security fees and housing provident funds, information on announced tax arrears, information on payment of telecommunications and other announced business expenses, personal education information, and accounting (lawyer) firms Basic professional information of employees in special occupations who have an impact on the public interest, such as certified public accountants (lawyers).

Answer]: The development history of personal credit reporting in China is divided into three stages: exploration, start-up, and development. Item A belongs to the exploratory stage, when the prototype of the Zhengcong Jingxin industry initially appeared.

The two items of be belong to the initial stage. In its shooting, the construction of the personal credit reporting system began in July 1999 with the approval of the People's Bank of China to establish a Shanghai credit system and pilot personal credit reporting. Item d, which belongs to the stage of development.

Answer]: B Analysis] The history of hail and spike exhibition of China's personal chain tomato letter is divided into three stages: exploration, start-up and development. Item A belongs to the exploration stage, when the prototype of the credit reporting industry initially appears to be the source of divination.

BC is in its infancy. Among them, the construction of China's personal credit system began in July 1999 with the approval of the People's Bank of China to establish Shanghai credit ****, pilot personal credit. Item d, which belongs to the stage of development.

Answer]: a, b, c, d, e

With the continuous development and improvement of the information system, the People's Bank of China has increased the intensity of information sharing and coordination with relevant departments, and the personal credit reporting system will not only mainly include personal credit information, but also include personal basic identity information, civil case enforcement information, payment of various social security fees and housing provident fund information, announced tax arrears information, payment of telecommunications and other announced business expenses, personal education information, and accounting (lawyer) firms, certified public accountants ( lawyers) and other basic professional information for employees in special occupations that have an impact on the public interest.