New credit rating system to affect various aspects of daily life

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The Credit Reference Center, operated by the People's Bank of China

China is set to release an updated version of its personal credit report as part of the country's broader efforts in strengthening its social credit system. The report, which will cover almost every aspect of daily life, including overdue water and phone bills and spouse information, will become a "second ID and invisible resume" for citizens, analysts said.

The Credit Reference Center, an independent credit information service institution under the People's Bank of China (PBC), the country's central bank, has been developing a new version of the personal credit report, which is likely to be officially launched in the near future.

In addition to some basic personal information that was required by the old credit report, the new version will include more details such as spouse information and more complete professional information, He said. 

Individual financial activities such as repayment and overdue payments will be recorded in the new report, which will also focus on information including telecommunications, water supply payment, overdue taxes, civil rulings, administrative punishment, subsistence allowance, professional qualifications and administrative incentives.

The information included in the new credit report covers various aspects of people's lives and any discredited behaviors will be recorded, leading to restrictions in their daily activities. For example, credit approval from financial institutions can be affected for a person with negative records on their credit report. 

Industry insiders said that as the new report includes the information of spouses, if a couple gets divorced in order to take advantage of favorable policies for first home buyers, such as lower down payment and interest rates, they will no longer be eligible for the policies.

Credit records do not merely focus on borrowing money. Other aspects such as overdue water and phone bills, which "are not trivial things," are also important factors that can help create a more multi-dimensional evaluation of an individual's social credit.

新版个人征信系统将于5月上线！拖欠水费也可能上征信！

假离婚买房行不通了？

并发申请首套贷款的窟窿彻底被堵上了？

拖欠水电费也会影响贷款？

央行大招即将杀来！众多“买房路子”被堵死，你也许只能全款买房了！

中国人民银行征信中心已试运行新版个人征信报告，将于5月正式上线！新版征信报告采集信息将更细化，更全面，更精准。

据征信网站的公告显示：新版征信会有一些重大调整，将带来六个方面的变化，具体体现如下：

01离婚买房首付可能提高

旧版征信：夫妻双方共同还款，男方主贷，女方征信不体现负债。

新版征信：作为共同借款人，双方征信均体现负债。

产生影响：今后夫妻双方所购房屋，离婚后，非主贷人征信仍会显示有房贷和负债，再次买房属于有房有贷，首付80%，离婚后无法低首付购房。

02信息更新及时

旧版征信：征信更新时间长达一个月或更久。

新版征信：要求各机构在采集时点T+1向征信中心报送数据。（个人信息发生变化或放款第二天会在个人征信里显示）

产生影响：想利用银行征信更新缓慢的时间差，去申请贷款将无法实现。

03不良记录时长更久

旧版征信：征信报告主要体现近二年的征信记录情况。

新版征信：不良信息（例如：逾期、呆账等）自终止之日起保留5年。新版征信报告还款记录延长至5年，记录详尽的还款信息（即便销户也有详尽的还款记录）、逾期信息。

产生影响：时间更长，征信有效期内的不良记录保持更久，对于申请房贷有影响。

04个人信息更加完整全面

旧版征信：个人信息记录较少且完整度差。

新版征信：完整展示贷款人及配偶的学历信息、就业情况、电子邮箱信息、通讯地址、户籍地址、所有个人手机号。配偶信息较完整，如：包含姓名、证件类型、证件号码、工作单位和联系电话。个人近几年详尽的居住信息都记录在册。

产生影响：一网打尽个人信息，仿佛是求职简历。个人征信信息更加完善，对于后期贷款过程中更易识别出客户提供虚假资料。

05征信信息量

旧版征信：征信记录少量信息，房贷、银行卡等。

新版征信：除借贷信息之外的更多信息纳入征信，如：电信业务、自来水业务缴费情况。还记录欠税、民事裁决、强制执行、行政处罚、低保救助、执业资格和行政奖励等信息。

产生影响：征信记录多样化，更多的个人工作生活记录被采纳，客户后期提供虚假资料更易识别。

06车贷及装修贷等信用体现

旧版征信：车位贷款、装修贷款等实质为大额信用卡分期，征信仅体现信用卡，不体现分期金额。

新版征信：新版征信，体现分期时间和分期金额，更加细化。

产生影响：以前只体现名目，不体现负债，未来体现负债，对于申请房贷，需要更多流水来抵消负债。

跟旧版相比，新版征信的信息采集更加紧密，征信的信息更新速度更快，收录的信息也更加详细，在此，提醒大家一定要注意维护个人的良好信誉，保持良好的个人征信记录。

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