Why is it so difficult to get a bank loan now? The reason is that the credit system set by the bank itself makes it impossible for the bank to lend money. It is said that the credit reporting system is not used to assess the risk of the bank, so how can it add blockage to the bank in turn?
The credit system is indeed a magical existence. In 1997, the whole country was in a state of turmoil, and everyone's economic credit was almost finished. The People's Bank of China saw that this battle was wrong, so it hurriedly got a loan certificate in Shenzhen and tried to set up files for all kinds of credit tycoons.
In 2005, the People's Bank of China (PBoC) finally developed a unified national credit reporting system for enterprises and individuals, which included the credit data of enterprises and individuals. This move laid the cornerstone of the mainland's credit reporting system.
In October 2011, the state again called for speeding up the construction of credit reporting legislation and systems. This time, the coverage of credit investigation is wider, from enterprises and individuals all the way to various fields of government affairs, business, society and justice.
At the same time, it is necessary to establish a credit reporting system that covers the entire society, and vigorously perform miracles against untrustworthy conduct. The purpose is to establish a new trend in the whole society of "trustworthiness is honorable, untrustworthiness is shameful." Therefore, the purpose of establishing a credit reporting system is never to punish the untrustworthy, but to build a creditworthy social order. Punishment is only a means, not an end.
In 2013, the "Regulations on the Administration of the Credit Reporting Industry" was finally promulgated, which provided legal protection for the correct status of the modern credit reporting system in the mainland. The People's Bank of China has become the chief steward of the credit reporting industry, and the rights and obligations of various credit reporting agencies, information providers, information users, and information subjects have been regulated.
According to the current central bank data, as of 2018, the mainland's basic financial credit information database is already the largest in the world, and the data scale, number of people included in the database, and coverage are all outstanding.
This database contains more than 3.3 billion pieces of credit information and more than 6.5 billion pieces of public information, and has established a unified credit file for 25.42 million enterprises and organizations and 970 million natural persons.
There are more than 3,900 lending institutions across the country, and the average daily number of credit reports of enterprises and individuals has reached 290,000 and 4.77 million respectively.
In the past 20 years or so since the development of the mainland market economy, the credit reporting system has made great contributions. It establishes a nationwide integrity order, reduces market transaction costs, and escorts the normal operation of economic activities. How can you say it's a joke?
Banks will give priority to credit records when reviewing loan applications. If a business or individual has had even one overdue credit report in the past five years, it will leave a stain on the credit report and affect the loan approval. Those who fail to start a business or go bankrupt may be labeled as a dishonest person, and it will be even more difficult to get a loan from a bank. Will the bank's customer base become smaller and smaller over time?
Is it because you are afraid of losing your trust? Isn't the risk of bad debts for banks even higher? Without the credit system as a basis, will banks dare to lend?
Credit investigation is not a stick to death. If it's just one or two unintentional or extenuating overdue overdues, the bank will still be accommodating. If there is no credit record at all, the bank will not dare to borrow money rashly, because the risk of the other party is completely impossible to judge! Isn't this a typical case of "I'd rather be a chicken head than a phoenix tail"?
In the future, the demand for loan financing from enterprises and individuals will only increase. If there is no credit information system to escort it, how can these funding needs be met? How to ensure the reasonable flow of funds? The reason why it is difficult for many small, medium and micro enterprises and ordinary individuals to get loans is precisely because they are a "tabula rasa" in the bank, and there is no credit history to check, and it is difficult to assess the risk.
The credit information system is not only the foundation of the bank, but also the way for enterprises and individuals to settle down. With a sound credit reporting system, the trustworthy can win more opportunities, the untrustworthy will pay the due price, and the establishment of creditworthiness in society can continue to advance.
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