2. Apply to the local people's bank for inquiry with my ID card;
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According to the report, credit cards, housing loans, other loans, public records and inquiry records will all be reflected in this report. Therefore, in order to prevent any subsequent loan problems, everyone must use credit cards to repay in time.
If the tragedy is overdue, remember to make records in the follow-up. The People's Bank of China generally keeps records for 5 years.
Related Q&A: _ Is it true that I received the credit picture of China Bank on the overdue SMS? The short message received by the mobile phone is not true, because the credit reporting agency will not take the initiative to send information to the user. Taking the central bank's credit reporting as an example, the official has made it clear that it will not notify information individuals by SMS, telephone, email and other forms, nor will it actively send information to users or inform them that they have been blacklisted, even private credit reporting agencies will not notify them by SMS. Lenders should remember that credit reporting agencies are only responsible for recording credit information and will not be responsible for collection tasks. Related Q&A: Are Alipay and Ant Financial the same as our personal credit report? Ant Financial Services (Alipay) uses the "Sesame Credit" score to evaluate personal credit, but the personal credit report we are talking about is the national evaluation of our personal credit. We can log on to the website of Credit Information Center of China People's Bank.
0 1 What is the "Sesame Credit" score?
First, Sesame Credit has become a huge platform with a large number of users, which provides the possibility for the emergence of Sesame Credit.
At the beginning, Zhimobao was just a payment tool for Taobao to solve the trust problem between merchants and customers in online shopping. We don't trust each other, so it's difficult to make a deal. And a third party. The customer gives the money to the third party first, and it is no problem to receive the goods. Then, the third party gives the money to the merchant. This way reduces the transaction barriers and directly promotes the prosperity of online shopping.
Later, Zhimobao gradually integrated with the financial community, no longer just as the media of Taobao, but extended its reach to all aspects, and gradually became a giant platform integrating technology and finance, which can pay for life, purchase funds, bank financing and so on. And the user's data has also been deposited on the platform, which provides the possibility for the launch of Sesame Credit.
Second, the development of credit society, Zhihu Bao aims to solve the problem of lack of social credit, and actively promotes "Sesame Credit".
Peng Lei, chairman of Ant Financial, once said at Harvard China Forum: "Trust is a kind of social capital beyond finance, which not only serves finance, but also reshapes the whole economic relationship." "We believe that every place that needs deposits is a place where credit is lacking. (For example, renting a house, borrowing books from the library, and sharing bicycles, who is very hot now? "
Therefore, Ant Financial, which saw the importance of credit, launched Sesame Credit, used the huge data of the platform to evaluate and mark the credit status of platform users, and constantly cooperated with various enterprises to increase the usage scenarios of Sesame Credit.
With the development of credit society, our every move will become personal credit, and then become our assets. Ant Financial saw this kind of social demand, and wanted to solve the problem of lack of credit between strangers, and took the initiative to launch Sesame Credit Service.
Third, the national policy allows some enterprises to carry out personal credit investigation business, which provides a regulatory endorsement for the emergence of "Sesame Credit"
In June, 20 15, the central bank issued a notice, agreeing that eight institutions, including Sesame Credit and Tencent Credit, would carry out personal credit investigation, which means that from the perspective of national supervision, the popularization and application of Sesame Credit were allowed, and the use scope of Sesame Credit was further expanded.
The "Sesame Credit Score" of Ant Financial and the "Personal Credit Report" of the Central Bank are both evaluations of our credit status, but there are significant differences between them.
First, the subjects of credit evaluation are different.
As we said just now, Sesame Credit Score is the evaluation result of Ant Financial on our personal credit. This score is mainly based on our various user behaviors on the Zhimobao platform, and Ant Financial is the teacher who gives us a score.
Personal credit report is the central bank's score on our personal credit, which is mainly based on our past contacts with banks, including whether the credit card is overdue and whether the loan is repaid on time. The country is the judge who grades us.
Different credit evaluation subjects will affect the fairness of credit evaluation scores to some extent. Sesame credit score depends on the score of a company, and the independence of the evaluation subject is not strong. Moreover, this score can be used on this platform in turn, which will affect the amount of money spent and the amount of loans. At this time, Ant Financial has the suspicion of being both a referee and a player.
The personal credit report is provided by the state, the independence and authority of the central bank are guaranteed, and there is no conflict of interest between the state and individuals, so this evaluation score is more objective and credible.
Second, different scenarios can be used.
Sesame credit is mainly used in various Internet occasions, and it appears as an Internet financial product. Sesame has a high credit score, so we can use bicycle sharing without deposit, stay in a hotel without deposit, and get a higher amount of money. Even some internet dating platforms need you to provide sesame credit points.
Personal credit reports are mainly used to contact officials and banks on some occasions. We apply for a loan in the bank, and the personal credit report is a very important application material. It is difficult for people with poor credit information to borrow money from banks. In government departments, personal credit reports are sometimes provided, such as applying for low-rent housing and public rental housing.
Sesame credit score and personal credit report are widely used, but relatively speaking, the market scene of the former is mainly online, and the use scene of the latter is mainly offline.
Third, the people covered are different from the credit information.
Mo Bao is now a super-large financial platform. But after all, it is only an enterprise, and the coverage of users is far from "universal". User's credit score is mainly based on platform activities, not all aspects of personal life. Therefore, the information coverage of sesame credit score is limited, and the information is not extensive and comprehensive.
Just like this, there is such a paradox around me. The sesame credit score after 70 is often lower than that after 90, which is obviously not objective. From the perspective of wealth resources, the post-70 s generation is definitely better, but their consumption behaviors such as using less treasures, buying a house and buying a car are not recorded by the platform, so their scores are low. At this time, the sesame credit score is not very accurate.
Behind the personal credit report is the country. There are more personal credit reports in the country, and all aspects of individuals can be mastered by the country, and the coverage of people is wider. Each of us can get our own personal credit report from the central bank. From this perspective, the data of personal credit report is more accurate.
The "Sesame Credit Score" of Ant Financial and the "Personal Credit Report" of the Central Bank are both contributing to the construction of credit society in China. In reality, there are more and more cases that the two cooperate with each other and complement each other.
At present, China is developing into a credit society, and personal credit has a more and more profound impact on personal life. It is difficult for people with bad credit to borrow money, even it is difficult to take a bullet train, and life is blocked everywhere. As the foundation of credit society, personal credit evaluation needs the joint efforts of the state, enterprises and all aspects.
In this context, there are many possibilities for cooperation between Ant Financial and the state. For example, the court and Sesame Credit jointly tracked Lao Lai. Sesame credit is applicable to a wide range of scenarios, such as parcel transportation, eating and shopping. Using Sesame Credit can greatly limit Lao Lai's online activity space. Through this measure, thousands of Lao Lai paid off their debts within a few months.
There are many similar cooperation. On the whole, both Sesame Credit and Personal Credit Report are striving to improve the national credit system and make accurate and effective evaluation and judgment on personal credit from online and offline dimensions.
To sum up, Sesame Credit and Personal Credit Report are both evaluations of our credit situation, but they are different, mainly in three aspects: evaluation subject, usage scenario, coverage of people and credit situation.
The above is my opinion, I hope it will be helpful to you. Welcome to discuss it together in the message area.
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