In April this year, the second generation of the Internet will continue to spread the news about on-line credit system, the central bank website announcement, said the credit system upgrade optimization work is still in progress, there is no clear line on schedule.
Recently, the People's Bank of China Credit Information Center issued "China People's Bank credit line center on the good preparatory work on the second generation of the credit system," circular pointed out that the People's Bank credit information center on "the People's Bank personal credit information system standards, business credit report product Description (II trial) "and" credit information system data query interface specification (II trial) "and other documents were revised, developed a" digital certificate Guide "and other standards.
"Notice" requirement, generation credit system has been opened query interface to access functionality agencies, as well as new applications using the interface access mechanism of inquiry during the second-generation credit system construction, to be adjusted according to the latest release of the interface documentation, and between November 30, 2019 to complete the credit system and the second generation of the FBI test. Unfinished access mechanism FBI tests before the appointed day, the second generation of the credit system to configure access by page query.
It is reported that second-generation credit system will use digital certificates to enhance the user security management, credit guarantee compliance information queries. After the credit line on the second-generation system, each user query access mechanism used in the second generation unified credit system established by the Credit Information Center, supporting the issuance of digital certificates, certificate or type usbkey server certificate.
The difference between generation and second-generation credit of Credit
Upgrading the credit information system, the focus is to enhance system performance and optimize the credit report and presentation content, improve product processing and services, improve the management system, efforts to improve the operation and efficiency of services for financial institutions, to provide the public more good credit services.
The new second-generation credit report credit system corresponding mainly in the optimization of the interface display to enhance readability been adjusted. Compared with the current version of the credit report credit report intends to launch a new version, added some information, specific differences are as follows:
1, increasing the basic personal information
An increase in the basic personal information such as citizenship information, credit information in an increase of common borrowing, legal guarantees for the individual, personal guarantees and other legal information. Throughout the report include "basic personal information, summary information, credit transaction information details, non-credit transaction information details, details of public information, labeling and information statements, query record" and other eight parts, more detailed compared to content generation.
Among them, the new "co-borrower" information, more real, accurately reflects the borrower's credit situation. As a co-borrower, both parties are reflected in credit debt. If both husband and wife to buy a house, they are all borrowers, so if want to buy the second set, through divorce loan to buy a house to enjoy the first method is no longer valid.
2, update frequency increase
The current credit report because of the time difference update certain, and therefore there is a case to use this time difference apply for a loan or credit card application. The second generation of credit to enhance the frequency of updates, two business days to complete the update to effectively prevent the occurrence of such situations.
3, showing the way to optimize the part
The new design shows a personal credit report, "5-year repayment record" (including the repayment status, overdue amount), the current personal credit report also shows the 5-year repayment record, just to show a slightly different way.
4, if less water also at the credit?
The new version of the credit report credit system corresponding to the second generation, designed to show the format utility payment information water, electricity, telecommunications, etc., but in the actual collection, Credit Information Center in consultation with the relevant data source units, and strict implement the "credit industry management regulations" Article XIII "collection of personal information shall be agreed by the information subject himself without his consent shall not be collected" provides access to information in the main data source unit license agreement after the data submitted. Meanwhile, the Credit Information Center will strictly control the quality of data, only in the case to ensure the quality and safety data, will effectively collect the data warehousing and provide external inquiries.
It is reported that second-generation system also opened the business and personal credit information system, changing a generation of businesses and individuals of the two systems, two sets of institutions and user management to achieve the integration of corporate and personal data.
Source: China Electronic Banking Network
Editor: Silver micro congregation tax
