Recently, financial reports said that personal online loan information is fully connected to the credit system, in fact, it is not a new news, in fact, as early as.
Three or four years ago, some relatively formal online borrowing records had already been incorporated into the central bank's credit system. Two or three years ago, basically all the online loan records of e-commerce platforms have been logged into the central bank's credit system.
Now the content of the reporter's investigation has only verified the authenticity of the news, and it seems that the online loan record has completed the access to the comprehensive credit information system. For example, Alipay borrowing, Jingdong gold bars, 360 IOUs, etc., as long as the borrowing record occurs, then when the user inquires about the central bank's credit, it will be found that it has been logged in, and the information is poor.
Up to now, everyone should remember that basically the borrowers who can be registered in the central bank's credit information system have financial licenses. For example, the lender is a bank or consumer finance company, etc. Of course, some unlicensed lenders will use these licensed financial companies to log in to the bank credit system. This reminds borrowers that if they decide to borrow online, they should think about the future consequences.
After the information is entered into the central bank's credit system, if the borrower has not settled the loan, then when applying for a new loan, or when applying for a new credit card, it may be rejected. The borrowing information has always been visible to the financial institutions that lend money. This includes how much money was borrowed, when it was borrowed, whether it was in a normal repayment state, and whether there were overdue records.
In the future, if the full repayment is completed, will the settlement records still be kept?In fact, it is generally divided into 3 situations:
1. If the loan is not overdue, it is settled normally. Loan records are kept on an ongoing basis, with a status of "Normally Settled", which is a plus for borrowers to apply for new borrowings and credit cards in the future.
2. If the loan has been overdue but finally settled, the overdue record will be kept for 5 years, and the status shown in it is "overdue settled". After 5 years, this overdue record will also be expunged, but the loan record will still be there.
3. If the loan is still overdue, that is, the loan has not been settled, then the credit record has always shown "overdue and unsettled". It will continue to be displayed until the loan is finally settled.
Article 16 of the Regulations on the Administration of the Credit Reporting Industry promulgated by the People's Bank of China clearly states that the retention period for negative personal information by credit reporting agencies is 5 years from the date of termination of the negative conduct or incident;Where it is more than 5 years, it shall be deleted.
Therefore, borrowers borrow online, whether through e-commerce platforms or through other channels, such as bank consumption, financial companies, etc. It is important to remember that this loan application and disbursement will be registered with the central bank's credit report. At this time, many banks will call for bank credit when facing a mortgage application and a credit card issuance application.
If you have borrowed many times frequently, the other party will think that your financial situation is unstable and there is no guarantee for future repayment, which may affect your loan application and credit card application. Of course, if it is found that it is still overdue, then the other party will generally ask for either settlement, or the application will be rejected if it fails.
To a certain extent, use online loans with caution and adjust your spending Xi. A moment of coolness may bring a lifetime of pain and regret. Do you understand?Personal online loan information is being fully integrated into the credit information system