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  • 當前位置: 首頁 > 征信知識
    • · 征信系統建設運行報告(2004-2014)
    •  征信系統建設運行報告(2004—2014).pdf  [詳細]
    • · 全國集中統一的企業和個人征信系統簡介
    • 一、征信系統的建設背景根據黨中央、國務院部署,人民銀行從信貸征信起步,從上世紀90年代初貸款證制度開始推動全國集中統一的企業和個人征信系統(以下簡稱“征信系統”)建設。1992年,原人民銀行深圳分行推出貸款證制度,1997年到2002... [詳細]
    • · 有關信用記錄的問題解答
    •   一、什么是信用記錄?信用記錄全面、真實記錄您在銀行借債還錢、遵守合同和遵紀守法情況,既有您按時還錢的記錄,也有您不按時還錢或者借錢不還的記錄。目前個人信用記錄主要儲存在人民銀行征信系統中,并以信用報告的形式向... [詳細]
    • · 征信基本知識
    •  信用:指在交易的一方承諾未來償還的前提下,另一方為其提供商品或服務的行為,是隨著商品流轉與貨幣流轉相分離,商品運動與貨幣運動產生時空分離而產生的。信用既是社會經濟主體的一種理性行為,也是一種能力體現。 征信業務... [詳細]
    • · 征信基本概念
    •     征信一詞最早在我國出現是在《左傳·昭公八年》中,有“君子之言,信而有征,故怨遠于其身”,其中,“信而有征”即為可驗證其言為信實,或征求、驗證信用。征信被廣泛用作信用調查的同義詞是在民國初期。近現代... [詳細]
    • · 征信的原則和基本流程
    •     一、征信的原則 征信的原則是征信業在長期發展過程中逐漸形成的科學的指導原則,是征信活動順利開展的根本。通常,我們將其歸納為真實性原則、全面性原則、及時性原則和隱私保護原則。 1、真實性原則 ... [詳細]
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