央視網消息:一紙個人信用報告背后,關系著每個人的金融生活,特別是貸款、信用卡消費等。而哪些信息會被采集?它們又將如何影響一個人的房貸、車貸、信用卡消費等?近日,中國人民銀行最新披露了關于個人信用報告的相關信息。新一年,這些和信用有關的事兒,要留意了。

CCTV news: a personal credit report behind, related to everyone's financial life, especially loans, credit card consumption and so on. And what information will be collected? How will they affect a person's mortgage, car loans, credit card consumption and so on? Recently, the People's Bank of China recently disclosed information about personal credit reports. In the new year, keep an eye out for credit related matters.

  根據規定,信息主體可以向征信機構查詢自身信息。在全國各地人民銀行分支機構以及部分金融機構網點、部分地區政務大廳,都可以通過自助查詢機等進行查詢。個人信息主體有權每年兩次免費獲取本人的信用報告。第三次開始收費10元。

According to the regulations, the main body of information can check its own information with credit agencies. All branches of the People's Bank of China, as well as branches of some financial institutions and government halls in some regions, can be queried by self-help inquiry machines. The personal information subject has the right to obtain my credit report free of charge twice a year. The third start charge 10 yuan.

  一共6頁的報告中除了基本的個人信息外,還包括三大類信息:一是信貸信息:包括貸款、信用卡、擔保、租賃等;二是先消費后付款的信用信息,主要包括了電信等公用事業;三是公共信息,包括行政許可、行政處罰,還有法院的失信被執行人信息。如果有不良記錄,會出現在基本信息后面的“逾期及違約信息概要”一欄中。對于百姓關心的,水電煤氣等繳費信息,央行負責人表示,未來哪一項可以進個人信用報告,還需進一步研究。

In addition to basic personal information, the six-page report contains three main categories of information: one is credit information: loan, credit card, guarantee, lease, etc.; the other is credit information about the first consumption and then payment, mainly including public utilities such as telecommunications; and the third is public information, including administrative licensing, administrative penalties, and the information of the executors of the court's breach of trust. If you have a bad record, it appears in the \"Summary of Overdue and Breach Information\" column behind the basic information. For people concerned about, water, electricity, gas and other payment information, the head of the central bank said that in the future which can enter personal credit reports, need to be further studied.

  中國人民銀行征信中心副主任王曉蕾說,不良信息自終止之日起,五年(后),將在信用報告當中刪除,這個是計算機自動設置的。

Wang Xiaolei, deputy director of the credit information center at the People's Bank of China, said the bad information would be deleted in the credit report for five years from the date of termination, which was automatically set up by the computer.

  銀行方面表示,從實際操作來看,并不是一有逾期或不良,所有銀行都會對你說“不”。商業銀行內會有一套比較科學的算法,把查到的征信信息根據實際情況加工處理,最后生成一個分數,如果達到了進入門檻,仍然會繼續后續的審批。

The bank said that in practice, not all banks would say \"no\" to you. Commercial banks will have a set of more scientific algorithms, the credit information found according to the actual processing, the final generation of a score, if reached the entry threshold, will continue to follow-up approval.

  查詢后,如果認為征信機構采集、保存、提供的信息存在錯誤、遺漏的,信息主體有權向征信機構或者信息提供者提出異議,要求更正。

After inquiry, if there are errors or omissions in the information collected, saved and provided by the credit information agency, the information subject shall have the right to raise objections to the credit information agency or the information provider for correction.

  中國人民銀行征信中心副主任王曉蕾說,不管是發卡行提異議,或者到征信中心提異
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