I remember when I first saw the word "credit investigation", I didn't fully understand its meaning. I just think it should be synonymous with honesty. After ten years of experience in the financial system, I gradually have a full understanding of the relationship between the two. As a fine traditional virtue of China, honesty has a long history. As early as ancient times, there were stories about Ji Bu's promise and Cao Cao's credit for haircut. And "levy" is called "receipt" and "loan" is called "loan". Credit information itself is not honesty, but a service that objectively records people's past credit information and helps predict whether they will perform their duties in the future. As early as China's ancient book Zuo Zhuan, it was recorded that "a gentleman's words are collected by faith, far more than his body". Honesty is the quality that every one of us should have, and it is the basis of getting along well with others. Credit investigation is a part of honesty. It is a social credit system supported by morality, based on property rights and guaranteed by law due to the continuous development of society. It exists to promote social development, standardize people's honest behavior and remind people of the importance and necessity of honesty.
"A gentleman keeps his word and there are traces to follow", what a philosophical sentence. The old saying is still in my mouth, and the old adage is still in my ears. However, I don't know, in this process, betrayal and betrayal hover in our hearts like enchanted vines. Any sign of the outside world can wake up the sleeping devil and destroy our door of integrity without warning and defense. According to Changsha Evening News, a man of about 30 years old, wearing a paper hat and a red card on his chest, begged on the footbridge next to the station. The man wrote the words "If there is a lie, the sky thunders" on the hat, and claimed that the reason why the clothes were "out of line" was to "sincerely beg". When I first saw this story, I thought it was really ironic. Even beggars put up the sign of "Begging with Honesty". What does this mean? However, after some reflection, we have to admit that in this highly competitive society, more and more people have lost their integrity. The first reason is that because of the growth of money worship, we pay more and more attention to money and think that money is far more important than honesty. Second, the influence of our educational environment. Nowadays, education has become more and more indifferent to honesty, which makes us forget the weight of honesty.
"If a person is lonely, loyalty is clothes, and trust is clothes", which shows how important honesty is. Like clothes, it accompanies us every day. Losing honesty is as terrible as losing clothes. Who wants to be naked in front of everyone in broad daylight? Primitive humans still know how to hide their shame with leaves, not to mention modern people with highly developed modern civilization. I can only say, stick to your noble ethics. A person without integrity is like a body without soul. What is the meaning of existence?
With the continuous increase of historical rings and the continuous development of modern economy, many credit mechanisms, such as mortgage loan, student loan and credit card, came into being, which provided many conveniences for people's production and life. There is no hierarchy, no identity discrimination, no convenience and fairness. They can send a warm home to those who have no family, a bright future to children who have dropped out of school because of poverty, and hope for life to those who are dying ... When you want to betray this honesty, think about the benefits and hopes it brings to you. Sheep still have the grace to kneel and milk. Why don't people? With a grateful heart, stick to the nobility that you could have just held, which is a symbol of strength and shows a person's high self-esteem and inner sense of security and dignity. This nobility is like a mirror. As long as there are cracks, we can't be connected as before, and we can't give up long-term interests for impulse. This is a fact.
Let's shout together: Honesty and trustworthiness, a better life!
The essay 2 "Credit Investigation" that accompanied my growth traced back to the source. I first saw Zuo Zhuan, "A gentleman keeps his word and has traces to follow, so his resentment is far greater than his body." The general idea is that a word spoken by a gentleman will not attract resentment. Semantically, the signature of "credit investigation" can be understood as collection, and "letter" can be understood as credit.
Credit investigation is essentially a kind of credit information service. In practice, the credit information of enterprises and individuals is collected, preserved, sorted, analyzed, utilized and disseminated according to law. Its characteristic is to share credit information within a certain range according to law. It is mainly to prevent credit risks, maintain financial stability, and play a significant positive role in promoting financial development, enhancing financial competitiveness, and ensuring healthy economic development and social civilization and harmonious progress.
With the promotion of reform and opening up and the development of market economy, credit is also developing day by day in China. In order to meet the needs of the development of modern credit transactions, China has established a credit information system, which shows the importance of credit information. If you leave your ID card now, you may not be able to move forward. In developed countries such as Europe and America, you will find it difficult without another "ID card". This is our credit record.
Credit information can restrain the behavior of enterprises and individuals from the system, which is conducive to the formation of a good social credit environment. China has advocated the virtue of honesty and trustworthiness since ancient times, and promoted the formation of the concept of honesty through moral criticism. Honesty is a kind of social morality, and it is the basic principle to treat people with things. Honesty and trustworthiness are indispensable virtues for enterprises and individuals. Shanxi merchants and Huizhou merchants who once dominated China's commerce for hundreds of years can rise to the peak. One core is to establish a "honesty-oriented" business philosophy.
I once encountered such a case that a customer applied for a second-hand housing loan business in our bank. Our credit staff found through the personal credit information system that a loan handled by the borrower in other banks was overdue for half a year. In view of the customer's good personal economic situation, the loan has been settled, and the non-malicious overdue certificate issued by the agency has been issued, the Bank agreed to issue housing mortgage loans, but increased the down payment ratio. Customers regret their past dishonesty very much, improve the consciousness of repayment, and there is no bad credit behavior again. It's okay to borrow money with a criminal record. However, as you can see, our bank has increased the down payment ratio, and at the same time, it has given customers a chance to correct their mistakes.
Let's look at the opposite example. Don't say how shameless the person below is, he may be right beside us. A customer came to our bank to apply for a comprehensive personal consumption loan of 200,000 yuan. After receiving the loan application, the loan officer immediately inquired about the customer's credit status through the personal credit information system and found that the customer had a personal housing mortgage loan of 248,000 yuan in other financial institutions. In another financial institution, a personal housing mortgage loan of RMB 3010.3 million was also handled, and it is estimated that the loan principal will be defaulted for 15 times and the default time will be10.80 days. In view of the customer's serious bad record, our bank made a decision to refuse the loan. Kindness, borrowing and returning, is a good virtue. Being close means making people feel confident and kind.
The word "credit investigation" is still very strange to me at first. However, with my gradual growth and continuous improvement of vision and experience, I gradually understand what credit reporting is. As a member of the society and an employee of the Postal Savings Bank, I gradually feel that credit and my own integrity are so important. Therefore, we must treat people with sincerity and trust.
Since the reform and opening up, China's work has steadily advanced and the country has become increasingly prosperous, which also makes China have the premise of establishing a sound credit information system. We firmly believe that in the future work and life, China's credit information system will certainly achieve more brilliant results.
Credit does not come from honesty. As a specific economic transaction, credit is the product of economic development to a certain stage. It is a formal system established for efficient trading, which is mandatory and normative. Credit does not necessarily depend on honesty. Both sides of economic activities speak of credit, probably only because of contract compulsion, not out of good faith. So we say that the modern economy is a credit economy, but we never say that the modern economy is a credit economy. This shows the importance of contract and rule of law to modern economy. When the credit transaction becomes more and more extensive, it becomes more and more difficult for the transaction subjects to understand each other's credit, so the credit investigation activity comes into being.
However, I can understand this as "the basis of credit, which is conducive to the majority of groups to handle first-class securities." After all kinds of competition, not only money and capital, or who has a father named Wang Sicong, but also credit. The better the credit, the more successful the future development.
It is said that the "stinky tofu" of Pozi Street Fire Palace is fresh, tender and refreshing, with good color and fragrance, which is well known to all. This is due to the merchants' good use of ingredients, long-standing craftsmanship, and the emphasis on "getting rich with sincerity", which has been widely praised. Therefore, this is the best explanation for "credit". In my memory, there are so many stores that can "match" it.
Through the alley on the street, deep and far. There is an old man at the end who also sells stinky tofu. He used to pass by here when he was a child. Now that I have a job, I will still pass by here when I return to my hometown. The scene is still there, and visitors are in an endless stream. Times have changed, but my father is dead, and what you see is a middle-aged man similar to my father. The signboard was renamed, and the top of the signboard was added with "16-year-old shop". It is hard for me to imagine that such a small booth can stop here for so long. People around me say that although it is a small shop, all the ingredients, side dishes, condiments and cooking oil in the old people's home are used. Fresh ingredients constantly, without adulteration, the old man is honest and reliable, not greedy for a penny. These are enough to make him prosperous in this alley.
Although small-scale, but dad always adhere to the "sincere to eternal" values, to ensure the safety of consumers, and ultimately win the favor of consumers.
Think about it, until today, there are still reports of gutter oil, food offset printing, counterfeiting and selling fakes. In a sense, the modern market economy is equal to the honest economy, and the bad ones will eventually be exposed, and the good ones will continue to develop. It's like an arena, where people with poor martial arts sacrifice and those with good martial arts win.
Health and beauty can be written on the face, but honesty can't be described by hanging a signboard. From this perspective, the competition between merchants and entrepreneurs in the future can be described as credit competition. The better the credit, the more successful it will be.
For an individual, "People who don't believe for a while don't believe for a lifetime". Many people lack a long-term perspective on honesty. In fact, honesty is only once. As long as you lose it once, your trust will decline, and even there will be a trust crisis. Dishonesty will eventually be retaliated by the market in the future market economic activities.
For society, honesty is the responsibility of social responsibility. For the government, the construction of credit information system is the focus of the construction of social credit system, which can restrain the behavior of enterprises and individuals from the system, help to form a good credit environment in the whole society, and ultimately help to improve the integrity level of the whole society.