2019新版个人征信报告将上线，拖欠水电费也可能影响信用
央行新版个人征信报告采集信息将更细化、更全面、更精准。人们在日常生活中应更为注意维护个人信用状况，因为当申请贷款时，无论是房贷、车贷还是消费贷款，金融机构大多数都先会去查看个人征信报告。征信报告上一旦留下负面记录，就可能会对信贷获批造成影响
The collection information of the new version of the personal credit
report of the central bank will be more detailed, more comprehensive and
more accurate. People should pay more attention to maintaining personal
credit status in daily life, because when applying for loans, whether it
is mortgage, car loan or consumer loan, most financial institutions will
first check the personal credit report. Once the negative record is left
on the credit report, it may affect the credit approval.
据了解，中国人民银行征信中心已试运行新版个人征信报告，可能将于近期正式上线。届时，对上述失信行为的约束将更严格。
It is understood that the People's Bank of China Credit Information
Center has tried to run a new version of the personal credit report,
which may be officially launched in the near future. By then, the
restrictions on the above-mentioned untrustworthy behavior will be
stricter.
首先是更细化。新版个人征信报告，个人信息将更加细化。除旧版个人基本信息之外，新版个人信息将更加完整，还可以查看配偶信息。同时，职业信息也更完整，信息量与个人求职简历相当。更细化的信息，将使个人信用情况更为一目了然。
The first is more detailed. In the new version of the personal credit
report, personal information will be more detailed. In addition to the
old personal basic information, the new version of personal information
will be more complete, you can also view spouse information. At the same
time, professional information is more complete, and the amount of
information is comparable to a personal resume. More detailed
information will make the personal credit situation more clear.
其次是更全面。新版个人征信报告，维度更加丰富、更加全面。比如，还款记录延长至5年，将记录详尽的还款信息、逾期信息；新增还款金额，逾期或透支额也将标注出来。除借贷等金融信息外，新版征信将纳入更广泛的信息，如电信业务、自来水业务缴费情况、欠税、民事裁决、强制执行、行政处罚、低保救助、执业资格和行政奖励等信息。
Second is more comprehensive. The new version of the personal credit
report has a richer and more comprehensive dimension. For example, the
repayment record will be extended to 5 years, and detailed repayment
information and overdue information will be recorded; the new repayment
amount will be marked, and the overdue or overdraft amount will be
marked. In addition to financial information such as loans, the new
version of the letter will include a wider range of information, such as
telecommunications services, water business payment, tax owed, civil
rulings, enforcement, administrative penalties, subsistence allowances,
practicing qualifications and administrative incentives.
如此，征信报告更能反映个人的信用情况，增强个人征信报告的公信力和实际应用度，这也是新版个人征信报告与旧版报告最大的不同。
In this way, the credit report can better reflect the individual's
credit situation and enhance the credibility and practical application
of the personal credit report. This is the biggest difference between
the new personal credit report and the old report.
最后是更精准。新版的个人信息更加细化和全面，使得个人信用状况可以得到更加真实的反映，金融机构的信贷管理将变得更有针对性，风险管理更加精准，可有效降低信贷风险。
The last is more precise. The new version of personal information is
more detailed and comprehensive, so that the personal credit status can
be more truly reflected, the credit management of financial institutions
will become more targeted, risk management is more precise, and credit
risk can be effectively reduced.
可以说，新版个人征信报告里的信息涵盖了人们生活的方方面面。在任何地方的失信，都可能会被新版个人征信报告记录在案。当个人申请贷款时，无论是房贷、车贷还是消费贷款，金融机构大多数都会先去查看个人征信报告。因此，征信报告上一旦留下负面记录，可能会影响信贷获批。
It can be said that the information in the new version of the personal
credit report covers all aspects of people's lives. Loss of trust
anywhere can be recorded in the new version of the personal credit
report. When an individual applies for a loan, whether it is a mortgage,
a car loan or a consumer loan, most financial institutions will go to
the personal credit report first. Therefore, once a negative record is
left on the credit report, it may affect the approval of credit.
还有市场人士比较发现，“上午离婚下午买房将成为过去”。在旧版征信报告中，假设夫妻双方共同还款，男方主贷，那么女方征信报告中不体现负债；而新版征信报告中，作为共同借款人，夫妻双方征信报告中均会体现负债。
There are also market participants who have found that "buying a house
in the morning after a divorce will become a thing of the past." In the
old version of the credit report, assuming that the husband and wife
jointly repay the loan, the man is the main loan, then the woman’s
credit report does not reflect the debt; in the new credit report, as
the co-borrower, both parties’ credit report will reflect the debt. .
“现在，不少城市在二套房认定时都实施‘认房又认贷’政策，如果夫妻双方负债记录都出现在征信报告中，那么夫妻双方已经购房的，将来离婚后，非主贷人再次买房仍将被认定有房贷，就会无法享受首套房的低首付、低利率的优惠政策。”一位市场人士说。
"Now, many cities have implemented the policy of 'recruiting and
repaying loans' when the second suite is confirmed. If the debt records
of both husband and wife are in the credit report, then the husband and
wife have already purchased the house, and after the divorce, the
non-primary lender If you buy a house again, you will still be
recognized as having a mortgage, and you will not be able to enjoy the
low down payment and low interest rate preferential policies for the
first suite," said one market source.
“如果将水费缴纳等情况记录在内，我觉得挺好，这样征信涵盖的数据、收集的维度都更加多、更加广，有助于更全面地判断、评价一个人的诚信水平和信用情况。”中国人民大学重阳金融研究院副院长董希淼在接受经济日报记者采访时表示，征信大数据就要数据足够多、足够大，这样才能够更加立体地刻画一个人乃至一个社会的诚信水平。
"If I record the payment of water bills, etc., I feel very good. The
data and collection dimensions covered by the credit report are more and
wider, which helps to more comprehensively judge and evaluate a person's
integrity and credit. Situation.” Dong Xiwei, deputy dean of the
Chongyang Finance Research Institute of Renmin University of China, said
in an interview with the Economic Daily that the big data of credit
information must be sufficient and large enough to portray the integrity
of a person and even a society. Level.
从个体的角度，应强化风险防范意识，不要轻易泄露个人信息，如在网络注册、实名验证时谨慎填写个人信息，身份证号、账号、手机号码等个人私密信息切勿随意泄露；应强化信用提升的意识，在金融工具使用、日常生活中，注重信用的维护，勿产生信用污点；应常规化查询个人信用报告，一旦发现非正常原因导致的不良信用问题，应及时上报并妥善处理，以免不良信用影响日后生活。
From the individual's point of view, we should strengthen the awareness
of risk prevention, and do not easily disclose personal information. For
example, when filling in the network registration and real-name
verification, carefully fill in personal information, personal
identification information such as ID number, account number, mobile
phone number, etc. should not be leaked at will; The awareness of
promotion, in the use of financial instruments, daily life, pay
attention to the maintenance of credit, do not produce credit taint;
should regularly check the personal credit report, once you find the bad
credit problem caused by abnormal reasons, it should be reported and
properly handled, so as to avoid Bad credit affects life in the future.
2019年4月7日
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