Central Bank: Personal Bad Credit Information For More Than Five Years Should Be Deleted.
Chinese people
Bank
Vice President Du Jinfu said in an online interview on people's website 2, personal.
credit
The period of preservation of bad information in information is five years, more than five years, and should be deleted.
He also said he would strive for the early introduction of the "credit administration regulations".
Du Jinfu introduced that the main content of credit information is information about credit pactions.
The collection scope of personal credit information will increase with the optimization of credit environment.
The information collected is positive and negative.
Overdue loans and other information, such as tax arrears and arrears, are the main negative information.
In July, the Legislative Affairs Office of the State Council for the second time openly solicited public opinions on the deletion of bad information.
Among them, credit cards are not paid on time and so on.
unhealthy
The duration of the record shall be 5 years, and the credit rating agency over 5 years shall be deleted.
Du Jinfu said that at present, the people's Bank of China is in line with the legal department of the State Council, and has organized and collated the opinions, so as to strive for the early issuance of the credit administration regulations.
This provision will provide an opportunity for credit recovery for those with default records.
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