The most important point of the Joint Disciplinary Notice is to clarify the screening criteria for serious untrustworthy online loan borrowers, that is, online loan borrowers who meet the overdue time of more than 6 months and fail to submit property declaration materials as required after legal and necessary collection can be identified as serious dishonesty and can be included in the list of serious untrustworthy online loan borrowers.
Shenzhen Mutual Gold Association said that pushing the list to the municipal government service data management bureau and relevant credit reporting agencies had a deterrent effect on serious untrustworthy people who deliberately and maliciously defaulted on their debts and restricted borrowers, thus curbing the occurrence of large-scale debt evasion.
Shenzhen Mutual Gold Association said that the proposal of the "Joint Punishment Notice" has accelerated the work process related to the punishment of dishonesty in the online lending industry, played a very good supplementary role in the guidance of conscientious withdrawal of peer-to-peer lending information intermediaries in Shenzhen, and helped online lending institutions reduce the risk of default, improve the settlement rate and stabilize the market order.
In fact, online loan borrowers who maliciously evade debts have been included in the credit information system for some time.
In August last year, the National Leading Group for Special Remediation of Internet Financial Risks issued the Notice on Submitting Information of Borrowers on P2P Platforms, requiring all localities to report the list of borrowers who maliciously evaded debts according to the information they had in the early stage. Debt evasion information must be screened and reviewed by P2P platform, local financial office and local mutual fund rectification office. At that time, the notice also stated that in the next step, the National Remediation Office would coordinate the credit management department to incorporate the above-mentioned debt evasion information into the credit information system and the "Credit China" database, thus binding the relevant debt evasion actors.
Related Q&A: Related Q&A: How long is the online loan overdue and has an impact on credit reporting? Former internet finance practitioners answered.
1, but not 100% of online loans will enter the credit information system;
2. If the online loan you apply for is connected to the credit information system, theoretically, it will be reported to the credit information system on the day when you are overdue;
3. For different specific businesses, the impact of credit investigation is different. When applying for related businesses, you need to combine your own other conditions and policy orientation. For example:
(1) mortgage, such as an extremely low amount of online loan, which is overdue and overdue for a long time; Or the overdue amount is high but the time is short (1, 2 months), and at the same time, when you apply, you just catch up with the bank's quota and support the mortgage business, so there is a great chance that your application business will not be affected;
(2) The same conditions, but just because the bank loan amount is insufficient or the current regional housing market has restrictions, may be rejected. Not only will loans overdue be regarded as a condition, but it is likely that applying for other loans will also be regarded as a reason for refusal, but it is actually only a short-term rule;
(3) Usually, the amount is not high, and no relevant enterprise or individual wants to forcibly recover the loan assets through the court. The court has not listed you as an executor of dishonesty, so it will not have any impact on the purchase of high-speed rail and air tickets.