This chapter focuses on the knowledge of the test points

Overview of the first section

1. The meaning and content of the personal credit system

(1) The meaning of personal credit reporting system

Personal credit reporting, also known as personal credit joint credit reporting, refers to the credit reporting agency’s agreement with commercial banks and relevant departments and units to collect credit information scattered among various commercial banks and Credit information of legal persons and natural persons from relevant social aspects is collected, processed, and stored to form a credit information database, and is a business activity that provides services for its customers to understand the credit status of relevant legal persons and natural persons.

The Personal Credit Information System (Basic Database of Personal Credit Information) is an important infrastructure of my country’s social credit system. It is a personal credit information system established by the People’s Bank of China and various commercial banks under the leadership of the State Council*** Enjoy the platform. The database collects, organizes and saves personal credit information, provides personal credit status inquiry services for financial institutions, and provides relevant information services for the formulation of monetary policies and financial supervision.

my country's personal credit database is a national personal credit information basic database system established by the People's Bank of China and has been put into use. This basic database first collects and saves national bank credit information in accordance with the law, which mainly includes personal borrowing, mortgage, guarantee data and identity verification information from commercial banks. Then, on this basis, the scope of information collection was gradually expanded to insurance, securities, industry and commerce and other fields, thus forming a basic credit information service network covering the entire country.

At present, the direct users of personal credit information system data include commercial banks, data subjects themselves, financial regulatory agencies, judicial departments and other government agencies. But its influence has spread to taxation, education, telecommunications and other departments. According to the provisions of the People's Bank of China's "Interim Measures for the Management of Basic Database of Personal Credit Information" and "Measures for the Management of Bank Credit Registration Consultation (Trial)", commercial banks and other financial institutions shall, after obtaining the individual's written authorization and consent, review the credit business application and review the existing When extending credit for post-loan risk management, you can check your personal credit report. Financial regulatory agencies, as well as other government agencies such as the judicial department, according to relevant laws and regulations, may also inquire personal credit reports according to prescribed procedures.

(2) Contents of the personal credit reporting system

The personal credit information collected by the personal credit reporting system includes basic personal information, credit transaction information, special transactions, special records, and the customer himself Statements and other types of information.

1. Basic personal information. Including personal identity, spouse's identity, residence information, career information, etc. An individual's position, professional title, and annual income are recorded in detail, and each piece of information is marked with the time of acquisition.

2. Personal credit transaction information. It refers to the transaction records of natural persons provided by commercial banks in credit activities such as personal loans, credit cards, quasi-credit cards, and guarantees. In personal credit reports, credit transaction information is divided into credit summary information and credit detail information. Credit summary information includes bank credit credit information summary, credit card summary information, quasi-credit card summary information, credit card summary information, loan summary information, loan guarantee summary information for others, etc.; credit detail information includes credit card details, credit card latest information, etc. Repayment status records, loan details, loan guarantee details for others and other information for each month of 24 months.

3. Special information. It mainly includes bankruptcy records, court judgments related to personal economic life and other information, and credit report inquiry information, including which institutions conducted inquiries for what reason and when. As the basic database of personal credit information is gradually improved, it will also collect information on personal payments for telephone, water, electricity, gas and other public utilities, as well as court civil judgments, tax arrears and other public information.

A personal credit report is a document that comprehensively records personal credit activities and reflects personal credit status. It is a personal credit reporting agency that processes and organizes the information collected in accordance with the law, and finally provides it to legal information inquirers in accordance with the law. Credit history. Personal credit report is the basic product of the basic database of personal credit information. At present, personal credit reports are mainly used for various consumer credit businesses of banks.

2. The main functions of the personal credit information system

The functions of the personal credit information system are divided into social functions and economic functions.

The social function is mainly reflected in: with the construction and improvement of the system, through the influence and regulation of important personal economic activities, a social atmosphere of honesty and trustworthiness, compliance with laws and regulations, abiding by contracts and keeping promises is gradually formed. Promote the construction of the social credit system, improve the level of social integrity, and promote the construction of a civilized society.

The economic functions are mainly reflected in: helping commercial banks and other financial institutions control credit risks, maintain financial stability, expand the scope of credit, promote economic growth, improve the economic growth structure, and promote sustainable economic development.

The social and economic functions of the personal credit information system complement each other and promote each other. With the gradual expansion of the scope of data collection and use of personal credit reports, the functions of the personal credit reporting system will be gradually improved and improved.

3. The significance of establishing a personal credit reporting system

1. The establishment of the personal credit reporting system enables commercial banks to make personal credit report inquiries a necessary step in loan approval, thus avoiding credit risks institutionally.

The national unified personal credit reporting system simplifies the complicated work of banks in collecting and reviewing the credit status of credit card and personal loan applicants, saves the cost of issuing credit cards and loans, and simplifies various applications for applicants. The formalities will help banks vigorously expand their business and provide mechanisms for banks to prevent risks.

2. The establishment of a personal credit reporting system helps commercial banks accurately determine the repayment ability of personal credit customers.

Through the recording and collection of personal credit activities through the national unified personal credit reporting system, you can also learn about the historical loan business activities of each loan customer in various banks, helping banks to accurately evaluate a person's funds and repayment ability, so that you can make the right decision when granting a credit card or personal loan. The full sharing of personal credit information has eliminated the "credit blind spots" of commercial banks, and the phenomenon of multi-party loans has been curbed. The judgment of an individual's credit repayment ability becomes more objective, which greatly increases the basis for agreeing or rejecting a loan application, reduces the operating cost of bank loans, and improves the bank's work efficiency.

3. The development of personal credit reporting systems helps identify and track risks, motivate borrowers to repay debts on time, and support the development of the financial industry.

Credit information helps lending institutions better assess and monitor risks and increase the total amount of credit. By establishing a credit record of on-time repayment, the credit reporting system can effectively expand the scope of loans to marginal borrowers. .

4． The establishment of the personal credit reporting system is also to protect the interests of consumers themselves and improve transparency.

The real danger of credit lies not in its use, but in its abuse. However, with the establishment and improvement of the personal credit reporting system, some laws have been enacted to protect consumers so that they can correctly understand credit activities and be protected from unfair practices by credit providers.

5. The national unified personal credit reporting system can provide risk warning analysis for commercial banks.

This system can help commercial banks dynamically understand the changing trends of personal credit status during the post-loan management stage, and take timely collection measures

or increase credit products and services. In the asset preservation stage, the system can help commercial banks find the borrower's valid assets, understand the person's credit activities in other commercial banks, re-evaluate the borrower's credit status, and determine asset preservation measures.

6. The establishment of a personal credit reporting system provides a strong guarantee for standardizing financial order and preventing financial risks.

The establishment of the personal credit information system has expanded the coverage of credit loans and expanded customer resources to a certain extent. At the same time, through the bank's assessment of customer credit, customers with high credit ratings can obtain loans. From a macro perspective, the establishment of a personal credit reporting system can help achieve credit supervision and promote stable economic growth by improving transparency and efficiency. Promote the stability of the financial system and improve the efficiency of bank supervision by strengthening risk analysis.

4. Personal Credit Information Legislation

(1) General Credit Information Regulations

At present, the most important credit information regulations are undoubtedly the "Personal Credit Information Basics" Interim Measures for Database Management.

This measure was formulated by the People's Bank of China in accordance with the "Law of the People's Republic of China on the People's Bank of China" and other relevant legal provisions and was adopted by the 11th President's Office Meeting on June 16, 2005. Implemented from date. The Measures stipulate that the People's Bank of China is responsible for organizing commercial banks to establish a basic database of personal credit information, and is responsible for establishing a credit information service center to undertake the daily operation and management of personal credit databases.

"Interim Measures for the Management of Basic Databases of Personal Credit Information" Chapter 7 and 45 Articles, the main content includes four aspects:

First, it is clear that the personal credit database is organized by the People's Bank of China The purpose of a national unified personal credit information sharing platform established by commercial banks is to prevent and reduce credit risks of commercial banks, maintain financial stability, and promote the development of personal consumer credit business;

The second and second are regulations It stipulates the principle of confidentiality of personal credit information and stipulates that commercial banks and credit service centers should establish strict internal control systems and operating procedures to ensure the security of personal credit information;

The third is to stipulate that personal credit databases collect personal credit information The scope and method, the purpose of using the database, the way for individuals to obtain their own credit reports and the method of handling objections;

The fourth is to stipulate the objectivity principle of personal credit information, that is, the information collected by the personal credit database is personal The original records of credit transactions, commercial banks and credit service centers do not add any subjective judgment, etc.

(2) Personal privacy protection

In order to ensure the legal use of personal credit information and protect the legitimate rights and interests of individuals, on the basis of fully soliciting opinions, the People's Bank of China has formulated and promulgated the " The Interim Measures for the Management of the Basic Database of Personal Credit Information, the Measures for the Management of Users of Financial Institutions in the Basic Database of Personal Credit Information, and the Regulations on Objection Handling of the Basic Database of Personal Credit Information have adopted the following regulations: authorized inquiry, limited use, security protection, inquiry records, and penalties for violations. and other measures to protect personal privacy and information security.

Commercial banks can only review personal loan and credit card applications or review whether to accept individuals as guarantors and other personal credit businesses with the written authorization of the parties, as well as conduct credit risk tracking and management of personal loans and credit cards that have been issued. Only under the circumstances can the basic database of personal credit information be queried.

The personal credit information basic database also manages commercial bank credit personnel (i.e. database users) who view credit reports. Each user must register when entering the system, and the computer system also automatically tracks And record each user's query operation on each credit report, and record it. If a commercial bank violates regulations by querying an individual's credit report, or uses the query results for other purposes beyond the scope of regulations, it will be ordered to make corrections and be subject to financial penalties; if it is suspected of committing a crime, it will be handed over to judicial authorities for processing in accordance with the law.

Section 2 Management and Application of Personal Credit Information System

1. Personal Credit Information System Information Sources

my country’s personal standard credit information collection work is mainly The personal standard credit information basic database of the People's Bank of China is imported through the following two channels:

The first channel: When a customer handles credit services such as loans, credit cards, and guarantees through a bank, the customer's personal The credit information will be automatically submitted to the personal standard credit information basic database through the bank;

The second channel: the personal standard credit information basic database is established through the cooperation with the Ministry of Public Security, the Ministry of Information Industry, the Ministry of Construction, and the Ministry of Labor and Social Affairs Relevant government departments and public utilities such as the Ministry of Security can connect the systems and collect non-bank system credit records such as resident identity information, personal mobile phone bills, and social security funds.

After the personal credit reporting system collects the above information, it will match, organize and save the data according to the data subject, that is, integrate all the information belonging to the same person under his name to form that person's credit file and Generate credit reports on inquiries from financial institutions. The personal credit reporting system only objectively displays the collected data without making any modifications. Therefore, the accuracy of the personal credit system data depends on the accuracy of the data provider's data.

2. Personal Credit Information System Entry Process

(1) Data Entry

After the commercial bank disburses the loan, the entry personnel of each institution shall follow the information submitted by the borrower. Apply for information and enter the information in the entry system.

Input information includes loan application, loan contract, house purchase information, etc. The entry personnel are responsible for the accuracy, timeliness and completeness of the entered information. Institutions whose systems can automatically generate credit reporting data do not need to manually enter it.

(2) Data submission and compilation

Commercial banks shall comply with the personal credit database standards and relevant requirements issued by the People’s Bank of China, and submit data to the personal credit database accurately, completely and timely. Submit personal credit information.

The Credit Information Service Center objectively organizes and saves personal credit information submitted by commercial banks, and is not allowed to change the original data without authorization.

When the Credit Information Service Center believes that the information submitted by a commercial bank is suspicious, it shall promptly issue a review notice to the commercial bank in accordance with the relevant procedures. The commercial bank shall issue a review notice within 5 days from the date of receipt of the review notice. Reply will be given within H working hours.

If a commercial bank discovers that the personal credit information reported by it is inaccurate, it shall report it to the Credit Information Service Center in a timely manner, and the Credit Information Service Center will make corrections immediately after receiving the error correction report.

(3) Data acquisition

The personal credit information system is connected to the system ports of commercial banks and other financial institutions through dedicated lines, and through the intranet system of commercial banks, personal credit information is regularly collected from each bank. Financial institutions provide personal credit reporting systems, and after aggregation, financial institutions realize full sharing of resources.

3. Personal Credit Information Inquiry System

(1) Personal Basic Database Credit Information Inquiry Subject

Currently, there are three main aspects for inquiry:

First, commercial banks. When reviewing credit and guarantee business applications, the individual's credit report can be inquired after obtaining the individual's written authorization and consent. In addition, commercial banks can also inquire about personal credit information when conducting post-lending risk management on loans that have been issued.

The second is other government agencies such as financial regulatory agencies and judicial departments. According to relevant laws and regulations, these institutions can inquire personal credit reports according to prescribed procedures.

The third is individuals. After an individual obtains his or her own credit report, he or she can provide it to other institutions according to his or her wishes, or grant the institution or individual the right to inquire through a written application. Nowadays, the personal credit reporting system is funded and managed by the government. Inquiring about personal credit reports is a service provided by the credit reporting center. In principle, a certain cost is required. There is currently no charge. For inquiries, you can go to the local credit reporting management department of the branch of the People's Bank of China, or directly submit a written inquiry application to the credit reporting center.

(2) Contents of personal credit inquiry system

1. Basic personal information

(1) Personal identity information. Personally identifiable information refers to information that can reflect an individual's identity and facilitate identification and contact with the individual. The main provider and authoritative department of this part of the indicator is the Public Security Bureau, which is the most important basic information for individuals. This part*** includes information such as name, gender, ethnicity, date of birth, place of birth, household registration information, address information, communication information, marital status, spouse information, academic information, certificate information, etc.

(2) Residence information. The residence information covers the name of the work unit, postal code, residence status and other information of the person being queried.

(3) Personal career information. Personal career information reflects the individual's employment status, work experience, occupation, unit industry, professional title, annual income and other information. This information provides another channel to understand and identify personal information in addition to identity information. It can reflect an individual’s job stability, employment situation, occupation, relevant work abilities and qualifications, and a certain social status. It can reflect to a certain extent Personal credit status and repayment ability.

2. Credit transaction information

According to the "Interim Measures for the Management of Basic Database of Personal Credit Information" promulgated by the People's Bank of China, personal credit transaction information refers to the transaction records of natural persons in personal loans, credit cards and other credit activities provided by commercial banks. , In the "Personal Credit Report", credit transaction information is divided into credit summary information and credit detail information. It covers credit card and loan details, special transactions, personal settlement account information, inquiry records, etc. ．

(1) Credit card information.

Credit card information includes card type, guarantee method, currency, account opening date, credit limit, exclusive credit limit, liability amount, overdraft balance, repayment amount due this month, actual repayment amount this month, and the latest actual repayment Date, current number of overdue periods, current total overdue amount, and credit card monthly repayment status records for the past 24 months.

(2) Loan information. Loan information includes loan type, guarantee method, proportion, account status, repayment frequency, number of repayment months, loan issuance date, loan expiration date, loan contract amount, monthly repayment status records and other items.

At present, the information sources of the personal credit reporting system are mainly financial institutions such as commercial banks. The information collected includes basic personal information, loans from financial institutions, guarantees and other credit information.

In addition to mainly collecting personal credit information, the personal credit reporting system will also collect personal basic identity information, civil case enforcement information, payment of various social security fees and housing provident fund information, and announced tax arrears. Information, payment information for telecommunications and other public utilities, personal educational information, and basic professional information of accounting (lawyer) firms, certified public accountants (lawyers) and other special professions that have an impact on the public interest.

(3) Personal credit information security management

1. Authorization query. When a commercial bank inquires about a personal credit report, it shall obtain written authorization from the person being inquired. Written authorization can be obtained by adding appropriate terms to loan, credit card, quasi-credit card and guarantee applications.

2. Restricted use. The "Interim Measures for the Management of the Basic Database of Personal Credit Information" promulgated by the People's Bank of China clearly stipulates that apart from the individual, commercial banks can only check an individual's credit when handling loans, credit cards, guarantees, etc., or when managing post-loans or issuing credit cards. Report.

3. Information security. Personal information is transmitted from commercial banks to the basic personal credit information database of the credit reference center through a confidential dedicated line. There is no human intervention in this process and it is automatically processed by computers. The entire system adopts the most advanced computer anti-virus and anti-hacker attack security system in China. Personal information is as safe as bank deposits.

4． Query records. The personal credit information basic database also manages commercial bank credit personnel (i.e. database users) who view personal credit reports. Each user must be registered, and the computer system also automatically tracks and records each user's inquiries about personal credit reports. and appear on an individual's credit report.

5. Violation penalties. If a commercial bank violates the regulations by querying an individual's credit report, or uses the query results for other purposes outside the prescribed scope, it will be ordered to make corrections and fined not less than RMB 10,000 but not more than RMB 30,000; if it is suspected of committing a crime, it will be prosecuted in accordance with the law. Transfer it to judicial authorities for processing.

6. Password management. Users of commercial banks at all levels should properly keep their user passwords, change their passwords at least once every two months, and register a password change register. The user name and password of each query user can only be used by the user. Others are strictly prohibited from using it or telling others the password.

4. Management model of personal credit reporting system

(1) Network process management of personal credit reporting system

At present, the credit information of personal credit reporting system is mainly The user is a financial institution. It is connected to the headquarters of financial institutions such as commercial banks through dedicated lines (that is, one-stop communication), and extends the terminal to the business counters of credit officers in commercial bank branches through the intranet system of commercial banks, thereby realizing personal credit information. The personal credit information system is regularly streamed from various financial institutions, and the aggregated information can be shared by financial institutions in real time. The personal credit reporting system was developed by the China Financial Electronic Corporation, a unit directly affiliated with the People's Bank of China.

(2) Authorization management of personal credit information system

According to the "Interim Measures for the Management of Basic Database of Personal Credit Information" (People's Bank of China Order (20053 No. 3)), commercial banks Only with the written authorization of the parties concerned can we review personal loan applications, review applications for personal credit cards and quasi-credit cards, review individuals as guarantors, conduct post-loan risk management of personal credit that has been extended, and accept applications from legal persons or other organizations. When applying for a loan or as a guarantor, and need to inquire about the credit status of its legal representative and investor, you can query the personal credit report from the personal credit database.

Except for post-loan risk management of personal credit that has been extended, commercial banks should obtain written authorization from the person being inquired when inquiring about personal credit reports. Written authorization can be obtained by adding appropriate terms to loan, credit card, quasi-credit card and guarantee applications. Commercial banks should formulate internal authorization systems and inquiry management procedures for post-loan risk management inquiries on personal credit reports. The credit service center can provide personal credit reports for a fee based on individual applications. At this time, if there is an application for inquiry, the identity of the applicant must be verified. At the same time, the database has records of the person who inquired, the time of inquiry, the reason for inquiry, etc.

Commercial banks should establish a management system to ensure the security of personal credit information, ensure that only internally authorized personnel have access to personal credit reports, and frequently check the status of inquiries in personal credit databases to ensure that all inquiries comply with regulations. And regularly report the inquiry and inspection results to the People's Bank of China and the Credit Reference Center.

5. Objection handling

(1) Concept and types of personal credit objections

1. The concept of objection and objection handling

An objection is when an individual denies or disagrees with the information reflected in his or her credit report. The main reasons for objections include the following: First, the basic information of an individual has changed, but the individual has not provided the changed information to data reporting agencies such as commercial banks in a timely manner, which affects the update of the information; second, data reporting The organization's data information is entered incorrectly or the information is not updated in a timely manner, causing the content reflected in the personal credit report to be incorrect; the third is data processing errors caused by technical reasons; the fourth is other people's theft or false use of personal identity to obtain loans or credit cards, resulting in The credit record is not known to the person who has been embezzled (the person being impersonated); fifth, the individual forgets that he has had any economic transactions with the data reporting agency (such as having applied for a credit card or loan), so he mistakenly believes that the information in the personal credit report is wrong. .

Objection handling means that when an individual believes that the credit information in his or her credit report is incorrect, he or she can submit a written objection application through the credit management department of the People's Bank of China or directly to the Credit Information Service Center.

2. Types of objections

At present, the objection applications often encountered in objection handling work mainly include the following types:

The first type is that the person believes that a certain loan or credit card is fundamentally I have never applied;

The second category is that the overdue record of a loan or credit card is inconsistent with the actual situation;

The third category is that basic personal information such as identity, residence, occupation, etc. is inconsistent with the actual situation Not consistent;

The fourth category is objection to the guarantee information.

(2) Objection handling methods

1. Personal Handling Measures

When there are objections to personal credit reports, you can apply for objections to the personal credit report to the credit management department of the local branch of the People's Bank of China or directly to the Credit Information Center of the People's Bank of China. The individual must present The original ID card and a copy of the ID card must be submitted. If an individual entrusts an agent to file an objection application, the agent must provide the original and copy of the identity cards of the principal (individual client) and the agent, the principal's personal credit report, and a legally binding power of attorney.

Individual customers can also present their ID cards to the commercial bank agencies with which they have credit financing.

2. Bank Handling Measures

The credit management department of the People's Bank of China shall transfer the objection application to the Credit Information Service Center within 2 working days of receiving the personal objection application. The Credit Information Service Center shall conduct internal verification within 2 working days of receiving the objection application. If the credit service center finds that the objection information is caused by the personal credit database information processing process, it should make corrections immediately and check the problems in the personal credit database processing procedures and operating procedures. If the internal verification of the credit service center does not find any problems in the processing of the personal credit database, it shall immediately notify the commercial bank that provided the relevant information in writing for verification.

A commercial bank shall provide a written reply to the credit information service center regarding the verification within 10 working days after receiving the verification notice. If the disputed information is indeed incorrect, the commercial bank shall take the following measures: submit corrected information to the credit service center; check the procedures for submitting personal credit information; check other personal credit information subsequently submitted. If errors are found, It should be resubmitted.

After receiving the corrected information resubmitted by the commercial bank, the Credit Information Service Center shall correct the objection information within 2 working days. If the objection information is indeed incorrect but cannot be corrected temporarily due to technical reasons, the credit reference service center shall make a special mark on the objection information to distinguish it from other objection information. If, after verification, it cannot be confirmed that the objection information is incorrect, the Credit Information Service Center shall not change the relevant personal credit information as requested by the objection applicant.

The Credit Information Service Center shall, within 15 working days after accepting the objection application, provide a written reply to the objection applicant or the credit information management department of the People's Bank of China that forwarded the objection application; if the objection information is corrected, the credit information service center shall The credit service center also provides corrected credit reports. If the objection information is indeed incorrect, but it is temporarily unable to correct the objection information due to technical reasons, the credit service center shall explain this in a written reply and provide a corrected credit report after the objection information is corrected.

The credit management department of the People's Bank of China that forwarded the objection application shall forward it to the objection applicant within 2 working days from the date of receiving the written reply and corrected credit report from the Credit Information Service Center. For objection information that cannot be verified, the credit reference service center shall allow the objection applicant to attach a personal statement to the relevant objection information. The Credit Information Service Center will properly preserve the original file of the personal statement and include the personal statement in the credit report of the applicant for objections.

(3) Handling of different types of objections

1. Handling of objections to basic personal information. If an individual has objections to the name, gender, ID number and other information involved in the credit report, the individual can also submit an objection application to the Credit Information Center of the People's Bank of China or the credit information management department of a branch of the People's Bank of China. If the personal credit is verified after verification Some of the information displayed in the report contains errors. The Credit Reference Center of the People's Bank of China will urge commercial banks and other institutions that submitted the data to correct the erroneous information in a timely manner. If you have objections to other basic information in your personal credit report, the easiest way is for you to go to a commercial bank that has business dealings with you to update and correct your personal information. The commercial bank will submit your updated and corrected information the next time you submit data. Information, accordingly, the individual's basic information in the personal credit database will also be updated or corrected.

2. Handling objections to personal pension insurance and housing provident fund information. If an individual believes that the personal pension insurance information or housing provident fund information reflected in his credit report is inconsistent with the actual situation, he can go directly to the local social security agency or the local housing provident fund center to verify the situation and change the information, or he can also contact the local People's Bank of China The credit management department submits a written objection application.

3. Handling of objections to personal telecommunications payment information. If an individual has objections to personal telecommunications payment information, he or she can go directly to the telecommunications company to verify the situation and change the information with his/her valid identity document and telecommunications payment receipt, or he can also go to the local credit management department of the People's Bank of China to apply for objection processing. If the distortion of social security information or provident fund information affects personal loan or credit card business, you can ask the local social security department or housing provident fund center to issue written certification materials.

4． Handling of objections to personal settlement account information. If an individual has objections to the personal settlement account information, he or she can present the individual's valid identity document to the financial institution where the personal settlement account was opened to verify the situation and change the information, or he or she can apply to the local credit management department of the People's Bank of China for objection processing.

5. Personal credit reports omit the processing of personal credit transaction information. If personal credit transaction information is omitted from a personal credit report, the individual can apply for objection processing through the local Credit Information Management Department of the People's Bank of China. The Credit Information Management Department of the People's Bank of China or the Credit Information Center of the People's Bank of China will request commercial banks and other institutions to report the omitted information. Supplement the credit transaction information. When submitting an objection application, details of the transaction must be provided.

6. Information lag leads to handling of objections. In our country, the personal credit database updates information once a month. Therefore, the latest credit information is generally not displayed in the personal credit report until one month later.

7. There are still objections to the handling of objections. If an individual still has objections to the result of the objection processing, the individual can proceed through the following three steps:

The first step is to apply to the local credit management department of the People's Bank of China to issue a personal statement on the personal credit report.

The personal statement is the party's views and understanding of the outcome of the objection handling. The Credit Reference Center of the People's Bank of China only guarantees that the personal statement is issued by the person himself and is not responsible for the authenticity of the content of the personal statement itself.

The second step is to report it to the credit management department of the People's Bank of China.

The third step is to file a lawsuit in court and use legal means to resolve the matter.