a little story, good version to be different. The old woman and a Chinese woman in the United States meet in paradise, the elderly, thank God, the house is Mai Daoshou I finally, finally the wish is, the United States while she sighs, housing credit loans to repay finally over. This story is not just Erzhi, the United States asked the Chinese elderly woman, are you a lifetime living in the basement near the train station, just before his death in order to buy a city centre district housing? » Has been poor and the affirmative answer, the United States sympathized with the old lady said, you know » I move every year, from Florida to Pennsylvania, as long as the other banks to accept my original mortgage real estate, I can in order to receive a credit loan to buy a new home, other things from the bank with the original banking solution .
Americans proud of the fact that not only their country's loan is a simple, but their credit is in circulation in the whole of society.
It is obvious that China's credit, I am afraid not only of credit used the guts and intensity of the problem is more important to credit in the banking system, or even the whole society recognized, accepted and circulation problems.
Credit is always "You Chanzhe" credit
In the 100 practices, Lingli subtle ways. For the civil launched a comprehensive personal credit Yaohe the prevalent, standard line still has not changed, must be "the monk could not run the temple," reserve assets can be used as security for the assets, then credit it » Can only become wealthy at the emergency cash flow problems.
The latest progress is that the bank has started to do individual stock collateral credit loan business. Bank of China, Guangzhou and Chengdu also launched a personal stock collateral loans. According to the source, the loan is the pledge of government bonds, financial bonds, AAA grade corporate bonds, bank deposits after the regular items of the latest pledge. However, because of the risks of the stock market, how can pledge that the stock of standards, loans accounted for valuation of the proportion of the pledge, and pledge to time constraints, are in exploration stage. Bank of China official said, this business is in loan guarantees breakthrough on the way, rather than new individual stock collateral loans, the loans could only be used for consumer or business activities, can not directly enter the stock market.
Shenzhen Branch of the Agricultural Bank of Mr Leung told reporters that the bank in the comprehensive personal credit business in the clear, the value of real estate or a certain maturity deposits, treasury bonds to individuals, the line can get a certain amount of integrated credit, the maximum amount of use Up to 2 million yuan. But can be given for the comprehensive personal credit business are two groups: those in Shenzhen Agricultural Bank has 300,000 yuan (or its equivalent in foreign currency) deposits, the bank or use credit cards, debit cards, the total spending in 100,000 Yuan more than other is that the Bank of social celebrities. But no matter which type, as long as he could not provide the equivalent of the outstanding certificates of deposit or government bonds, it must be real estate as collateral.
Shanghai long ago for "personal credit joint credit information system" to establish the busy Fengfenghuohuo. The person concerned told reporters that it called "warm-up credit," Xiao Qian saved by credit points. It is said that the enthusiasm of the people of loans growing, major banks have also launched a unique financial products. Finally sample survey out by the person in charge said: "loaned than the state-owned enterprises is much," Light Industrial and Commercial Bank of 90,000 in loan repayments on time and in the ratio as high as 99.999 percent. One trip to the various types of consumer loans, by any of the more than 40,000 households, has never been in arrears on time repayment of bank loans accounted for 99.999 percent, that is, when not only the repayment of housing loans in the total number of 1.02 percent, not on time To the repayment of such loans account for only 0.7 percent of the total. One of the most high pledge loans, small certificates of deposit mortgage repayment to 100%; consumer durable goods loans, automobile consumption loans in arrears in loan rates are below 1 ‰.
Then is that "VIP" customers, VIP guests referring to the distinguished club, Shanghai and Shenzhen bank a strong proponent of the distinguished guests of the shortlisted rate, on the other VIP guests information on individual banks is confidential, because it is bank credit loans The quality of resources, just like a certain industry said, "At present we can not open its own priority list of the clients. You Chanzhe credit can only be a credit, proletariat was not bound by the cost of credit to speak of Ho» "
Construction Bank to the maximum limit of 600,000 yuan of loans "can be recycled use of personal consumption loans amount of" business as an example, if Through careful study, "score" and the current residents of China's real way through this loan to the "lot of money" can only Is a very small number. In the bank's "credit scoring table", the following three categories of people are obviously of all ages. The first category is state-owned units; Are its second category is "high"; third category is high-income people. China Construction Bank official said, "depends on the individual to establish personal credit, rather than the bank rate to the commentary. Individual customer needs in dealing with the banks to borrow money Huanqian in the process of establishing and improving its credit rating."
With a measured way to simulate the credit score, the state-owned enterprises, high-income, high positions are often relatively high credit score. Accordingly, in accordance with the CCB's credit, these loans may also limit higher. Diametrically opposed, just graduated from university students, and individual business households, laid-off workers, often due to the impact of these factors obviously low credit score, but these people than the above loans are often more need the support, but because of the low credit score, "Personal credit" this road-it seems difficult to walk.
Who are the credit risk to the package »
Where then crux of the matter » Research credit mechanism scholars Peng, told reporters that China's credit resources can not rely on the free exchange of inter-bank exchange to resolve, and engage in the bad, the banks will remember two accounts, one is at home, out-in This inside. Another is external, Hunong competitors. His conclusion was, there must be an independent body to do, first of all to risk pooling resources, in accordance with law of large numbers, a specialized company to package risk.
China's first credit companies - Shanghai Credit Co., Ltd. took the opportunity to set up. Shanghai Commercial Bank credit companies to obtain people's credit information, the information required for each person each pay 0.2 yuan, all commercial banks to credit companies for the cost of credit is: people pay 10 yuan each. This is the Western countries compared to 30 dollars, the price is a lot cheaper. Of course, it has also brought some objection. For example, the American experience, in accordance with the principles of the market, the establishment of credit economy, the first step to a greater impact on the economic life of the key figures such as director, manager, accountants, lawyers, contractors, brokers, such as the establishment of personal credit Files, for commercial banks to their credit, have to pay 500 U.S. dollars to protect the normal operation of credit institutions, through differential pricing to distinguish between different credit resources prices.
So if after the people of Shanghai to handle housing loans, buy cars and so on, the banks will be the first to know of this institution, the latter to provide loans to banks in the past, people's credit reports.
Although people on China's first credit rating company's mode of operation is "benevolent-see, see-wise," but everyone on China's first credit rating company to set up a fully affirmed, that it marks the emergence of mainland China's era of personal consumer credit Approaching. Since the birth of the Shanghai Credit Company, making Shanghai has 1.8 million credit records of the public, you can just own good credit record, and no longer need to make any guarantee, mortgage, pledge, and other procedures, in need of funds, at any time to bank loans, The maximum loan up to 300,000 yuan. Shanghai is also in other regions outside the beginning of the personal credit system exploration, such as Jinan City branch of the Construction Bank issued a "personal credit rating to" personal credit will be divided into A, B, C, D four grades.
End of the breakthrough
When the rules of the game only a legal requirement in the form down, to be called The End.
At present, we have established personal credit system is the main difficulties in law how to protect both creditors of the credit institutions, while protecting individual privacy and other related interests such as, in this area still lacks the legal authority to explain and clarify the legal provisions.
In fact, as early as the second half of last year, the bank branch in Jinan City introduced the "personal credit rating to" establish a personal credit system in attempt. Meanwhile, in Shanghai before the credit has been like Emirates, in good faith, Huaan, such as credit companies engaged in a number of credit research, ratings activities. However, to establish a personal credit system alone is not enough of these credit companies, there must also be able to cover the entire society's credit history and credit supervision and strict laws and regulations.
For example, the People's Bank of China's National Advisory bank credit registration system covering 301 cities nationwide, is currently China's largest credit information database. However, because no other laws and regulations have not yet made public use.
The credit from the Shanghai Credit model, there is no law supporting the following: First, the relevant departments not to provide credit information or clues how to do distortion. Second, credit companies to banks to provide false information to compensation. Because the bank is paid for, but not a good thing to do of course have the right to "claim." Third, individual citizens how to protect privacy.
To establish good personal credit system, the need for such legislative protection, such as consumer finance to improve the legal system. Can the relevant departments to develop and promulgate "Consumer credit law" and other consumer finance laws and regulations and its implementation details and liquidation of the existing consumer finance laws, regulations » Most critically, can speed up the establishment of personal bankruptcy system, improve the credit guarantee institutions. Because of personal bankruptcies as the enterprise bankruptcy, far less than the personal assets of individuals and unpaid debt may also be the situation, should be implemented in personal bankruptcies. Personal bankruptcy personal credit system is a necessary complement to the system, the need to limit the exemption of debt bankrupt, we must also pay a price. For example: Personal bankruptcy may not be high consumption, not purchase of real estate, cars and other luxury items and consumer credit for carrying out more stringent conditions.
At the same time, the establishment and improvement of personal credit guarantee mechanisms, learning the West in personal credit and guarantee the experience, come forward by the Government set up financing for consumer credit guarantee companies, to provide consumer credit to personal security, passed on personal risk of default and eliminate the banks to worry about.
Credit in a sense, not big business bank, earning interest. But through the release of loans to improve society as a whole credit. May wish to promote a little faster.
