Some users of Huabai have accessed the central bank for credit reporting. Release date: Source: CNR
"some users of Huabai have accessed the central bank for credit reporting". As soon as the news came out, various questions poured in and went on the hot search
"some users, which part? Do you have me?" "Will the monthly minimum repayment affect the credit?" "Will not overdue also affect future loans, especially housing loans and car loans?"
now, here comes the answer
some users have access to credit reporting. Are you there
"at present, you can provide personal Alipay account number and other relevant information to query whether your information has been accessed to the central bank for credit investigation." Alipay customer service responded to Zhongxin, "in addition, users can also query through Huabai - my - related contracts and product descriptions. If there is a power of attorney for submission of personal user information query, it also means that the information has been accessed."
at present, the author's own Hua Bai has not been authorized to upload to the credit reference center of the central bank. During the communication, the customer service said that the customer needs to take the initiative to check and agree before being asked for credit. If "agree" and other operations are not checked, there will be no collection of credit information, and the personal credit will still belong to sesame credit
however, some friends said that they would allow Huabai to access credit reporting without their knowledge. What's the matter
according to the current situation, there are two possibilities: one is to increase the quota of Huabei, and the other is to upgrade the service of Huabei. During these two processes, Huabei will prompt that "clicking the button means that you agree to the Huabei service agreement, the letter of authorization for query and submission of personal credit information and other agreements, and agree to authorize you to query/submit relevant information to the basic database of financial credit information." If it is checked, it will be deemed that it has agreed to access the central bank for credit investigation
"I didn't watch the upgrade carefully." This is the case with many friends who have been "investigated for credit"
spend money ≠ credit card. Does frequent borrowing affect personal credit
people have different views on the changes of Huabai. Some people "just want to know how to turn off Huabai", while others think "this is a good thing. If Huabai is similar to a credit card, it will have a positive effect on banks' evaluation of personal credit rating."
although the services provided by Huabai are very similar to credit cards, they are not credit cards in nature. The development, utilization and innovation of Alipay have continued. Previously, relevant people said that Huabai is not a virtual credit card. It is a consumer credit (product) that requires high-molecular polymers to have necessary mechanical properties when used as materials
in addition, according to the letter of authorization for personal credit information query and submission of Hua Bai, the authorized object is Chongqing ant small and micro loan Co., Ltd., which is a small loan company
this is different from the credit card collection by the bank, which also makes many people worry: "there is no overdue, but will frequent small loans, especially those with improved effectiveness, affect my personal credit and subsequent bank loans?"
Alipay customer service said that if the use of Huabei was never overdue, it would not have an impact on the credit investigation. At present, the form reflected in the credit investigation report is not clear. "The minimum monthly repayment amount belongs to the normal repayment method and will not affect the economic activities of consumers."
according to the staff of the credit consumption center of Xidan sub branch of China Construction Bank, personal credit mainly depends on the overdue records, including the overdue frequency, duration, etc. "Huabai and credit cards are both credit loans, and Huabai is a small loan. However, the central bank's credit investigation, whether small or large, will be recorded as long as it is overdue. For general loans, it is only necessary to prove that they have been paid off."
"credit cards also have small consumption. As long as they are returned on time, they are normal business and will not affect your credit. Unless you breach the contract, it may become a credit stain." Zhaoxijun, CO Dean of China Capital Market Research Institute of Renmin University of China, said
will "Huabai" affect housing loans and car loans
previously, the overdue payment of Huabai mainly had an impact on its own system, but this has changed since it was connected to the central bank for credit investigation
zhaoxijun said that the past overdue records of customers would not be directly submitted to the credit investigation center of the central bank. After the access, the borrowing and repayment behaviors of these customers will be reflected in the credit report, just like the records in other banks. Before the stain in the credit record is removed, many behaviors will be restrained and restricted
"from the perspective of individuals, the total amount of loans and default records can be queried after the access to the central bank's credit investigation, which will increase the binding force on individual behavior, but this constraint is also a good thing. It can reasonably determine individual credit lines and avoid excessive lending, which is good for standardizing the entire social credit system." Zeng Gang, deputy director of the national finance and development laboratory, said
facing the problems of using Huabei and bank loans, the above-mentioned staff of China Construction Bank said that before applying for housing loans, they need to pay off all overdue loans and submit vouchers. "Not only the overdue payment, but all the loans should be settled."
Alipay customer service said that if the bank loan needs to be issued with a certificate, it can provide a certificate of settlement
"in addition, materials such as income certificate, repayment ability and capital source are also required." The staff member explained that these will affect the loan amount and loan interest rate, but the overdue itself is not a proof of affecting the repayment ability. It mainly depends on the specific situation of the overdue and whether it belongs to the high-risk risk category
"as long as there is no overdue or default, there is no credit stain, but the financial ability can be reflected through the credit investigation report." Zhaoxijun gives an example. For example, a consumer borrows no more than oneortwo hundred yuan each time, which shows that the flow is not large. Although there is no overdue repayment on time, when a large amount of business is to be done, a loan of 1million yuan is required. The bank may think that his financial ability is not enough to support the loan of 1million yuan
personal credit is not directly related to financial ability, and financial ability is not judged only based on the use of Huabai. "Judgment means that it is a kind of internal friction generated in the fluid. Different indicators of financial capacity will have different conclusions, but this will not affect the normal use of Huabai account." Zhaoxijun said
Hua Bai is connected to the central bank for credit reporting. Do you still use it