About personal credit reporting.
Personal Credit Information System is a national unified personal credit information sharing platform organized by China People's Bank for commercial banks. It collects and saves personal credit information according to law, establishes credit files and records credit behaviors, which greatly facilitates the services of commercial banks and relevant departments.
Functions of Personal Credit Information System
(1) economic function
The economic function of personal credit information system is mainly embodied in helping financial institutions to control credit risk, maintain financial stability and expand credit scope, which is indispensable for promoting economic development and improving economic structure.
(2) Social function
Its social function is mainly reflected in the gradual formation of a good social atmosphere of law-abiding, honesty and trustworthiness, which is helpful to the construction of social credit system and harmonious society.
What is the significance of personal credit information system?
In modern society, credit is called "the second identity card", which shows that having good credit is very important for individuals, not only for individuals, but also for society. Details are as follows:
1, which is helpful for commercial banks to judge the repayment ability of personal loan customers.
2. It is conducive to identifying and tracking risks and encouraging borrowers to repay their debts on time.
3. Credit risk can be effectively controlled.
4. It is helpful for commercial banks to analyze risks.
5. It ensures the standardization of financial order and effectively prevents financial risks.
6, greatly protecting the rights and interests of consumers.
Establishing a sound socialist market economic system must be based on a sound social credit system. At present, it is extremely urgent to establish and improve the personal credit information system.