据报道,来自央行征信中心数据显示,2019年1月至11月,全国个人和企业征信系统累计查询量分别为21亿次和9772万次,日均查询量分别为628万次和30万次。截至2019年11月底,个人征信系统接入各类放贷机构共3693家,已经基本实现对个人金融信用信息的广覆盖。征信系统的信息也主要用于放贷机构对借款人进行信用风险评估,广泛用于贷前、贷中、贷后全流程。

According to data from the central bank's credit information center, the cumulative number of inquiries in the national personal and corporate credit system from January to November 2019 was 2.1 billion and 97.72 million respectively, with an average daily number of 6.28 million and 300,000 respectively. By the end of November 2019, the personal credit information system had access to 3,693 lenders of all kinds, and had basically achieved wide coverage of personal financial credit information. The information of credit information system is also mainly used for lenders to carry out credit risk assessment of borrowers, which is widely used in the whole process before, during and after loans.

央行征信系统包括企业信用信息基础数据库和个人信用信息基础数据库。目前,征信系统的信息来源主要是商业银行等金融机构,收录的信息包括企业和个人的基本信息,在金融机构的借款、担保等信贷信息,以及企业主要财务指标。

The central bank credit information system includes enterprise credit information base database and personal credit information base database. At present, the information source of credit information system is mainly commercial banks and other financial institutions, including the basic information of enterprises and individuals, credit information such as borrowing, guarantee and other credit information in financial institutions, as well as the main financial indicators of enterprises.

此外,在央行监管指导下,市场自律组织中国互联网金融协会与芝麻信用、腾讯征信、前海征信、考拉征信、鹏元征信、中诚信征信、中智诚征信、华道征信等8家市场机构按照共商共建共享共赢原则,共同发起组建了一家市场化个人征信机构。

In addition, under the supervision of the central bank, the China Internet Financial Association, a self-regulatory group, and eight market institutions, including Sesame, Tencent, Qianhai, koala, Pengyuan, Zhongzhi, and Huadao, jointly set up a market-oriented personal credit agency in accordance with the principle of co-construction and sharing and win-win results.

现代商业市场是个诚信市场,诚信构建起和谐的市场关系,市场主体中,无论是企业,还是自然人,都具有商品进入市场的监护人、所有者的双重身份。它具有自主性、追利性和能动性等基本特性,需要用体现契约精神的诚信品质相互联结起来。诚信是市场的灵魂,失去诚信,市场就成了尔虞我诈的游戏场。

The modern commercial market is a good faith market, the good faith constructs the harmonious market relations, the market main body, whether the enterprise, or the natural person, all has the commodity enters the market guardian, the owner's dual identity. It has the basic characteristics of autonomy, profit-seeking and initiative, and needs to be linked together with the honesty quality which embodies the spirit of contract. Integrity is the soul of the market, the loss of integrity, the market has become a tricky playground.

通过征信中心提供的查询数据,可以证明市场主体的诚信之身,让对方放心大胆地与其做生意,进行业务交易。日常主要表现为借款人向商业银行表明自己诚实守信,请银行放心放贷。因此,征信系统的价值在于全面记录个人和企业信贷还款情况,为信贷市场提供借款人“信誉抵押品”,能有效提高信贷决策效率,降低信贷交易成本,增加借款人融资机会,对防范金融风险、支持实体经济发展等提供了重要保障。

Through the inquiry data provided by the credit information center, the integrity of the main body of the market can be proved, so that the other side can safely and boldly do business with it, business transactions. The main daily performance is that borrowers to commercial banks to show their honesty and trustworthiness, please feel free to lend. Therefore, the value of credit information system lies in comprehensively recording the credit repayment situation of individuals and enterprises, providing borrowers with \"credit collateral\" for the credit market, which can effectively improve the efficiency of credit decision-making, reduce the cost of credit transaction, increase the opportunities for borrowers to finance, and provide an important guarantee for preventing financial risks and supporting the development of the real economy.

征信中心对打击金融诈骗亦功不可没。在此之前,央银、银保监会指导各地将P2P网贷领域严重失信人纳入央行金融信用信息基础数据库运行机构,国家发改委对P2P网贷领域严重失信人实施联合惩戒,征信中心对打击P2P网贷领域恶意逃废债行为发挥了积极作用。

Credit information centres have also been instrumental in cracking down on financial fraud. Before that, the Central Bank and the Banking Regulatory Commission had guided the serious breach of credit in the field of P2P network loan to be included in the central bank's financial credit information base database operation organization, the National Development and Reform Commission had imposed joint punishment on the serious breach of credit in the field of P2P network loan, and the credit information center had played a positive role in cracking down on the malicious evasion and abandonment of debt in the field of P2P network loan.

据报道,2019年1月至11月,征信中心数据显示,本人信用报告查询的数量呈上升趋势。可见更多的自然人开始感觉到诚信记录的重要性,可能还会反躬自问,我诚信了吗?征信记录正确全面吗?个人必须为自己的信用记录负责。

According to the report, from January to November 2019, the number of inquiries in my credit report showed an upward trend. It can be seen that more natural people began to feel the importance of integrity records, may also be asked, I am honest? Is the credit record correct and comprehensive? Individuals must be responsible for their credit records.

不过,有一个问题值得警示,一些数据公司或者金融科技公司(俗称“小爬虫”公司),以骗取或盗取个人用户密码的方式违规查询个人信息。

However, there is a cautionary tale that some data companies or financial technology companies, commonly known as \"little crawlers \", are illegally searching for personal information by tricking or stealing personal passwords.

笔者认为,爬虫技术本身并不是“害虫”,正像搜索引擎一样,作为一种计算机技术,具有技术中立性,因而爬虫技术似乎游离于法律禁区之外。问题是,这个技术由谁来掌握,有没有得到用户授权,又把“爬”来的数据用在什么地方。眼下一些“小爬虫”为了商业利润铤而走险,试图突破监管红线。

I believe that crawler technology itself is not a \"pest \", just like search engine, as a computer technology, technology neutrality, so crawler technology seems to be free from the legal exclusion zone. The question is who will master the technology, whether it is authorized by the user, and where the \"crawl\" data will be used. Now some \"small crawlers\" are desperate for commercial profits, trying to break through the regulatory red line.

为了套路贷或者是为催收公司来提供服务,此类行为其实涉嫌侵犯公民个人信息,应当严厉打击。市场的诚信要素在觉醒、在跃动,征信中心的市场作用也会越来越大。当市场主体坦然面对征信中心提供的诚信数据时,相信整个市场会变得和谐融洽。

Such acts are actually suspected of violating citizens'personal information for the purpose of hedging loans or providing services for collection companies and should be severely combated. The integrity of the market in the awakening, in the jump, credit center of the market role will be more and more. When the main body of the market calmly face the credit information provided by the integrity of the data, I believe that the entire market will become harmonious.


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