The second-generation credit information system, known as the most stringent in history, is about to be launched, compared with a generation, which addresses the previously inaccessible areas of revolving loans, large credit card installments, co-borrowers, corporate and personal mutual insurance, overdue repayment information, and so on. Even if the couple divorced, the debt situation will be clear, avoiding such loopholes as fake divorce to buy a house. But in the concrete application scene, the second generation credit information and the individual right balance question, causes the widespread concern.
The new credit system has been improving its coverage of the project, this time the second generation of credit system \"wolf came\" the first warning from the real estate agency. Because there is a short maintenance period before the official launch, the agency has mobilized those who want to use fake divorces to reduce the mortgage down payment quickly \"action\" to enjoy the final dividend before the window period disappears. This example vividly reflects the public's love and fear for the second generation credit information system.
The second-generation credit information system includes three aspects of information: first, personal credit information to achieve full coverage of personal financial credit; second, credit information of \"first consumption and then payment \", including payment of public utilities such as telecommunications, to help people who lack credit records establish credit records; and third, public information, including administrative licensing and punishment information, and the situation of the person subjected to breach of trust in the court, according to the central bank's credit information center.
In a positive sense, the second generation credit information system establishes a whole set of evaluation mechanism around the individual's economic behavior, which helps to improve the transparency of information sharing in economic relations and avoid all kinds of losses caused by information asymmetry. However, considering the many censorship scenarios of credit information application, credit information is bound to cause a squeeze on individual rights, which requires the latter to give way, which puts forward a harsh demand for the legitimacy of the credit information system itself and the fairness in its application.
For example, the second-generation credit information system on the husband and wife common mortgage embodiment - as a co-borrower, both husband and wife credit reflects debt. This means that even if divorced, non-creditors buy a house again is a home loan, down payment of 80%. This does plug the gap between fake divorces and lower down payments, but what if it's a real divorce? If the non-owner doesn't get the house in the division, it's unfair that he or she will still have a house to review after the divorce. The strictest credit information is likely to do \"bad things\" before doing \"good \", using the method of plugging loopholes to hurt innocent people.
The second-generation credit coverage of credit cards prevents them from paying their debts, which is clearly detrimental to some people who rely on credit cards to make a living, and could put such individuals'economic \"rotation\" to a halt, perhaps helping them to stop relying on credit card overdrafts and overhaul healthier personal finances. These are certainly the positive values of the second generation of credit, but also need people to comprehensively view the significance of the system.
The problem is that credit information activity is an information service, but not all information services are credit information. Generally speaking, the personal debt information, as well as the information related to its solvency and willingness to pay, constitute the logical main line of credit information, the main purpose of which is to guard against the risk of credit default. But with the logic of the current operation, it feels that if the second generation credit system wants to establish the supreme authority, it must try its best to excavate the economic information of individual survival. Credit information system from birth, with the possession of citizen information ambitious. This is forming a tendency of social management, more and more citizen behavior into the credit system, credit system is overloaded, but the governance is happy.
This tendency to use personal information as a management tool has been evident in the widely criticized social credit systems in major cities. For example, free blood donation into the social credit, traffic violations into the credit system, Wuhan will be the road parking fee arrears into the credit, some people suggested that the medical trouble into the credit... Various, credit information system has become a universal system, but where the need for punishment and admonition are introduced credit system. The abuse of credit system and blind letter, in fact, constitute the strong and fragile characteristics of credit system, and may even collapse.
At the same time with the expansion of credit information system in its information field, personal information, personal privacy protection is facing a greater test. By the end of November last year, the personal credit information system had access to 3693 mortgage agencies of all kinds, basically realizing the full coverage of personal financial credit information. The easier it is for a person to have comprehensive information, the easier it is for a variety of business organizations to compete for access.
If information is leaked, or credit information is used in a business area without personal authorization, it is tantamount to placing personal core information, address, telephone, spouse, property, loan, etc. in a very unsafe situation. This potential personal danger is easily masked by fanatical, radical credit myth, and it is important to set strict barriers and measures to prevent it.
However, at present, whether from the legislative law enforcement or from the actual level, we all see that the situation of re-collection of light protection is everywhere, in the name of credit infringement of personal privacy rights. Behind this is both lazy political thinking, the administration of good governance equal to information control; but also commercial profit-making small abacus, relying on the credit information system to force individuals to submit, in the citizen information base to plan profit model.
The more demanding the credit system is, the more narrow the individual's rights are, and the more difficult it is to treat them fairly. For example, the above-mentioned couple-owned mortgage credit, to curb false divorce is true, but the legitimate and reasonable rights and interests of the real divorce will be trampled under the credit system. For those who rely solely on the credit information system to \"portrait\" citizens, the impression is likely to be distorted, and then the bias to treat individual claims, this is not good for civil rights.
In short, the strictest system in history has slowed down to cheer for it, or to identify those who cheer it, or why. Then go back to control, under the credit system management, a normal economic behavior by its influence, control. If the superstitious credit system can do anything, it must be accompanied by personal rights damage. \"The strictest in history\" should not only be reflected in the breadth of information, but also in the protection of individual privacy rights.