Some time ago, I saw major domestic media have reported that the central bank put into use personal credit information database, but in most media reports have described has a plot, Mr. Wang is a place for non-payment of Guangdong Development Bank Credit card annual fee was added in the personal credit database, a bad record, no knowledge of his purchase of agricultural bank loan was rejected.
Similarly, because a friend recently I apply for CITIC Industrial Bank's credit card was refused, and also because of his bad credit record. Through memories, Then he remembered who was in the Guangdong Development Bank to help friends who work for the completion of issuing process over a broad mandate issued credit card, apply for credit cards, said the first year annual fee waiver for the second year, if not paid do not want to continue to use annual fee you can. However, after more than a year without receiving any calls, text messaging, e-mail notice shall pay an annual fee of the case, the Guangdong Development Bank will be directly sent a reminder of the lawyer's letter, This the second year that do not pay annual fee does not work, and has been the payment date ... ... although very happy things finally settled, it is clear that, by banks to add in the personal credit history in a bad record into the aftermath of the incident.
In accordance with the central bank's statement, the national network of individual credit database, whether the future can even pay their individual water, electricity and gas charges are included in the scope of credit history, credit history and personal financial activities will play an increasingly important role. The central bank's super-scale CRM system, number of people covered, the breadth of applications is beyond doubt. However, I work in the financial system through a friend understand that the personal credit database of features is not perfect, and now can not distinguish between malicious and good debt arrears. That is, for a person with intent to defraud, one because of his bad memory and forget to pay a fee and a bank staff as a result of negligence or dereliction of duty in arrears without the knowledge of who they personally credit history credit database may even be the same. If the individual credit database, can only record a delinquent act and no delinquent behavior, can not record the reasons for arrears and assessment is malicious or non-malicious, then functions of this CRM system is also equivalent to a simple notebook, Moreover, some bank staff may not fulfill this obligation in accordance with the workflow (for example, the amount of notification bill, charge date, mortgage or car loan interest rate increases as a result of whether the monthly payment adjustments), then the person probably just made a scapegoat The copies of the.
The author believes that individual credit database, the mind should be put into use in the financial activities of the individual's actual behavior to determine a person's credit rating. However, due to the imperfections of the system, coupled with still no one able to bank credit, service records, assessment, and standardized system of bank staff working attitude, methods can determine your credit rating, and also we can do is frequently used as soon as the card is not all the write-off in the future no more free to work in a bank to help students and friends to complete the task card, after all, more than one card, the more a pair of hands affect your credit record.
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