论文部分内容阅读
目前,如何有效地开拓个人信用档案资源,服务改革和发展,是摆在我们面前的一项重要而紧迫的任务。个人信用档案是银行向消费者发放个人贷款之前,向有关机构查询的该贷款者资信情况,它一般包括两方面:一是借款人在贷款申请表中提供的贷款历史、房住情况、收入情况、婚姻情况等方面的信息;二是信用管理机构提供的与借款人信用历史相关的资料,包括未偿还的债务情况、信用卡透支情况,在其他金融机构的
At present, how to effectively develop personal credit file resources, service reform and development is an important and urgent task before us. Personal credit file is the bank to consumers before the personal loans to the relevant agencies inquiries about the credit status of the lender, which generally includes two aspects: First, the borrower loan application form provided in the loan history, housing and income status , Marital status and other aspects of the information; Second, the credit management agencies and borrowers credit history-related information, including outstanding debt, credit card overdrafts in other financial institutions