Re-lending by the central bank, that is, loans issued by financial institutions, is an important channel for the central bank to adjust the base currency and a traditional policy tool for financial regulation, which is customarily called re-lending. Refinancing is generally to alleviate the short-term monetary payment pressure of financial institutions. The object of central bank loans is financial institutions that have been approved by the central bank and issued the License for Operating Financial Business. Re-lending makes different interest rate policies according to different purposes.

Someone told me that no matter which financial company lends money, as long as it doesn't pay it back, it will be sent to the People's Bank by Shangzhengxin. Is it true?/You don't say.

First of all, I want to say that if you borrow money from a bank and it is overdue, then the bank that you borrowed will upload your overdue information to the central bank's credit information center.

If you borrow money on the online lending platform, you should know who the borrower is. If you lend money to a banking institution or a consumer finance company, your overdue credit will also be uploaded.

If it is a P2P or online lending platform with its own funds, it will not upload credit information after the deadline.

But now many platforms cooperate with Bai Hang Credit Information, so if your loan platform cooperates with it, it is possible to overdue credit information.

Different Views Finance (ID: Diffrentfin) reminds everyone here that we must pay attention to personal credit reporting. In the credit society, your credit is more and more valuable. Once there is a "stain", there will be many inconveniences in life, and there may be no way to buy a house or a car loan.

In May this year, the new version of the credit report was implemented. This updated version of the credit report is the bank version, that is, the version provided to banks and lending institutions, and the content will be more detailed than the personal version.

In the old version of the credit report, the central bank's credit system will be updated once a month. The specific update time depends on the time when the commercial bank reports the data and the time when the People's Bank of China receives the data.

Under normal circumstances, after personal credit information is collected by the commercial banking system, the reporting time is 1 month, and it may be once every two months under special circumstances. After the People's Bank of China receives the reported data, it will take one or two months to update it. In other words, our personal credit information, this month's data, may not be available until next month or next month.

After the new version of credit reporting is launched, relevant institutions are required to submit data T 1 to the credit reporting center at the time of collection. The central bank can complete the update of the credit report within two working days, and you can see the latest credit information after the update.

Loan repayment records are kept for a longer time. The old version of the credit report only shows the repayment situation in the last 2 years, and the overdue records are kept for 5 years. However, in the new credit report, the repayment record, like the bad information record, is kept for five years. These five years are not counted from the time when the overdue occurred, but from the month when the arrears were paid off. Therefore, if the debt is not paid off, the bad credit record will always exist.

The account cancellation also shows the repayment record. In order to keep a good record of their credit reports, some people will cancel accounts that are overdue or have other bad records. In this way, there will be no bad repayment records in the credit report, which is more conducive to applying for credit cards and loans. After the implementation of the new credit report, even if the account has been cancelled, the previous repayment record will remain in the personal credit report.

Therefore, when you borrow money, especially from the bank, try not to overdue it.

Three, what is the central bank's refinancing and rediscounting?

Re-lending refers to the loans issued by the central bank to commercial banks and financial institutions, and re-discounting refers to the paid transfer of the bill rights obtained by commercial banks to the central bank before the maturity date.

Rediscount is an act that the central bank provides financing support to banking financial institutions with accounts in the People's Bank of China by purchasing discounted but not yet due commercial bills held by banking financial institutions with accounts in the People's Bank of China.

Discount is a commercial term, which means that the payee transfers the unexpired commercial acceptance bill or bank acceptance bill endorsement to the transferee, and the bank deducts the interest from the discount date to the maturity date of the bill according to the par value to pay the remaining amount to the holder (payee). When a commercial bill expires, the transferee shall collect money from the acceptor of the bill according to the bill.

Extended data:

The rediscount rate of the central bank has the following characteristics:

First, it is a short-term interest rate. According to the Interim Measures for the Administration of Acceptance, Discount and Rediscussion of Commercial Bills, the longest period of acceptance, discount and rediscount of bills in China is no more than 6 months; The maximum period of rediscount shall not exceed 4 months. The rediscount rate shall be formulated, announced and adjusted by the People's Bank of China.

Second, this is an official interest rate. It is stipulated according to the national credit policy and reflects the policy intention of the central bank to some extent.

Third, it is the standard interest rate or the lowest interest rate. For example, the Bank of England has many different discount and loan interest rates, and its published recurring discount rate is the minimum standard.

After the bill is discounted, if the commercial bank is short of funds, it can apply to the central bank for rediscounting with the unexpired discounted bill before the bill is discounted. Similarly, rediscount also has discount, and its discount rate is usually called rediscount rate.