What is explained by the state s establishment of a basic database of personal credit information

You can find a personal credit report there.

January 2006.

This huge database is networked with all commercial banks and some qualified rural credit cooperatives in the country.

The database mainly collects the basic information of individuals, the information of opening settlement accounts, and the credit information of loans, credit cards, guarantees and other information sold in financial institutions, and collects this information of individuals in all commercial banks in the country under their ID numbers.

At present, the number of natural persons included in the database has reached 100 million, of which 35 million have credit histories. The balance of personal loans included in the collection is one trillion yuan, accounting for about the national personal credit balance.

The basic database of personal credit information of banks has opened 10,000 user terminals for inquiries in all branches of commercial banks across the country. In order to protect the privacy and security of consumers, the People's Bank of China has imposed strict regulations on database queries. Without the written authorization of the individual, no one can check an individual's credit report at will.

In addition to the person, commercial banks can only check the credit reports of customers when handling loans, credit cards, guarantees, etc., or when they are managing risks for loans and credit cards. According to some commercial banks, about 10% of customers who refuse loans by checking personal credit databases apply for loans.

At present, there are two ways for consumers to check their credit reports, the first is to go to a commercial bank to handle loans and credit card business, and obtain it through the bank; The other is to submit a written application through the credit information management department of the local branch of the People's Bank of China, or directly to the credit information center of the central bank. There is no charge for checking personal credit reports for the time being. However, the person in charge said that due to the cost of operation and maintenance of the basic personal credit information database, it may be necessary to charge a certain fee in the future.

December 2006.

According to the query of the 100 question bank, the basic personal credit information database was completed in () and officially operated in the whole country. a December 2006; b June 2006; c January 2006; January; Correct Answer: a.

The Basic Personal Credit Information Database is an important infrastructure for the establishment of China's social credit system, and is a personal credit information sharing platform established by the People's Bank of China Group Boduan Pai Commercial Bank under the guidance of the Group, and its daily operation and management are undertaken by the People's Bank of China Credit Information Center. The database collects, preserves, and sorts out personal credit information, provides credit report inquiry services for commercial banks and individuals, and provides statistical information services for monetary policy and financial supervision.

Answer]: a, b, c, e

At present, the direct users of the data of the personal credit reporting system include commercial banks, data subjects themselves, financial supervision and administration agencies, and other first-class institutions such as judicial departments, but their influence has involved departments such as taxation, education, and telecommunications.

Answer]: c. The main body of the inquiry of credit judgment information in the personal basic database: first, commercial banks; second, financial supervision and administration institutions and judicial departments and other first-class institutions; The third is an individual, so the answer to this question is C.

The most important piece of information in a basic database of personal credit is the personal credit history.

These records include an individual's credit history, borrowing history, credit limit, repayment history, bad credit and distress interest, and so on. This information reflects a person's creditworthiness and credit level, which has a great impact on an individual's borrowing, financial investment, consumption, etc. Here's a more specific explanation:

1. Credit history

Credit history can reflect how a person has fulfilled their past borrowing and spending behaviors. Individuals who have a long and stable credit history that proves that they are more trustworthy may also receive a higher credit score.

2. Loan records

An individual's borrowing record directly reflects how and how he borrowed money, how he borrowed it, and how creditworthiness the borrower was. Normal repayment records indicate that individuals are more trustworthy, while overdue, default, default, etc. may have a great impact on an individual's creditworthiness.

3. Credit limit

Banks and other financial institutions often determine the maximum amount of loan or credit an individual can take out based on their credit rating and credit history. As a result, an individual's credit limit is also a crucial part of an individual's credit history.

4. Repayment records

An individual's repayment history reflects whether he or she is in compliance with the contract and his or her ability to repay. An individual's average repayment period and repayment amount are also important bases for giving credit ratings.

Adverse information includes overdue records, delinquency records, fraud records, and bankruptcy records. This information sends a signal to banks and other financial institutions that the individual has credit problems and needs higher interest rates, shorter repayment periods, or tighter loan limits.

What is the impact of personal credit scores on the lending market?

Personal credit scores have a very important impact on the lending market, including the following:

1. Loan interest rate

Banks and other financial institutions refer to their credit scores when borrowing from individuals. Individuals with high credit scores tend to receive lower interest rates on borrowing, while individuals with low credit scores are considered high-risk customers and are more likely to receive higher interest rates.

2. Credit line

When a financial institution offers a credit card or other credit product to an individual, it usually determines the maximum amount of credit available to an individual based on their credit score.

3. Credit guarantee

When financial institutions provide credit guarantees to individuals, they usually require individuals to provide collateral or guarantors to reduce risk. The higher the credit score of an individual, the more they will be able to obtain credit guarantees.

4. Loan application

During the loan application period, banks and other financial institutions usually check with the credit bureau about the individual's credit report and credit score. The higher an individual's credit score, the easier it is to be approved for a loan and potentially the more favorable terms and interest rates you may get.

The most important information in the basic database of personal credit information is the credit transaction between the individual and the bank.

Personal credit information -- information related to the evaluation of an individual's current credit value. There are three main types of personal credit information: first, identification information, including name, ID number, home address, work unit, and so forth; The second is the loan information, including the bank that issued the loan, the loan amount, the loan term, the repayment method, the actual repayment record, etc.

The third is credit card information, including the issuing bank, credit line, repayment records, etc. With the gradual improvement of the database construction, it will also collect information on personal payment of **, water, electricity, gas and other public utility expenses, as well as public information such as court civil judgments and tax arrears, so as to fully reflect a person's credit status.

Public record information related to personal credit formed by administrative organs, administrative affairs enforcement bodies, and judicial organs in the course of exercising their authority, such as tax payments, compliance with the law, and so forth; Records of personal participation in social insurance, personal property status and changes, etc.; Payment information formed by the cost relationship between an individual and a public utility service organization.

According to the correlation of the above content, it can be concluded that there will be the identity certificate of the party and the corresponding loan repayment record in the personal credit information, as well as the corresponding information of the credit card, which is very important.

Providers of Personal Credit Information:

The main providers of personal credit information are commercial banks and other financial institutions, and the main users of enterprise and personal credit reporting systems are financial institutions, which are connected to the headquarters of commercial banks and other financial institutions through special lines, and extend the terminals to the business counters of credit officers of commercial bank branches through the intranet system of commercial banks.

It realizes the function that enterprise and individual credit information is regularly transferred from various financial institutions into the enterprise and individual credit reporting system, and is shared by financial institutions in real time after being summarized. Among them, the former is manifested in the fact that financial institutions report data to the enterprise and individual credit reporting system, and the latter is manifested in the financial institution inquiring the credit report of the enterprise and individual in real time to the enterprise and individual credit reporting system in accordance with relevant regulations.

Answer: False case]: b

Analysis of test questions: The "Interim Measures for the Management of Basic Personal Credit Information Databases" were formulated by the People's Bank of China and adopted at the 11th meeting of the President's Office on June 16, 2005, in accordance with the provisions of the "People's Bank of China Law of the People's Republic of China for the Rest of the Year" and other relevant laws, and came into force on October 1, 2005.