Central bankers 777 million credit for the natural system has been to create the file

 Central bank vice governor Du Jinfu concluded yesterday during the Eleventh Five-disclosure of a social credit system construction, as at the end of 2010, enterprise and individual credit system has nearly 17 million, respectively, 777 million individuals and businesses to establish a credit file . He pointed out that during the Eleventh Five-improving China's social credit environment.

Du Jinfu said the establishment of enterprise and individual credit information system is to improve our financial ecosystem, improve the financial infrastructure of important initiatives. He pointed out that enterprise and individual credit information system is mainly credit information database, has been with all the commercial banks, policy banks, credit unions and other financial institutions connected, but also with the Ministry of Public Security of the population database networking, the authenticity of personal identification information On-line verification.

enterprise and individual credit information system has become a commercial bank loan to go through before the review link in the post-loan management of commercial banks also play an important role.

central bank data show that, as of the end of 2010, business credit information system reached 152 million total query times, the personal credit information system, the total query volume to total 812 million times.



Credit Information Center under the People's Bank of China survey, only the third quarter of 2010, commercial banks use credit information system, refused to apply for high credit risk customers 66.19 billion yuan, warning high risk loans to 48.07 billion yuan, 4.73 billion yuan of bad loans received clearance.

central bank also noted that the improved sense of social credit. More and more people take the initiative to check their credit report, concerned about their credit history. Central bank data show personal initiative the number of inquiries from your credit report 97 times in 2006 rose rapidly to 127.5 million in 2010. (Reporter Suman Li)