Will credit information affect social security?

First, social security is a kind of welfare given to citizens by the state. As the title says, the credit information of ordinary banks has nothing to do with whether the parties have participated in social security. Social security participation does not involve the credit information, physical condition and historical background of the parties.

2. Bad credit information will have an impact on economic activities such as loans. If it is included in the blacklist of dishonesty, according to Article 3 of the Regulations of the Supreme People's Court on Restricting the High Consumption and Related Consumption of the Executed Person, if the executed person is a natural person, he shall not have the following high consumption and consumption behaviors that are not necessary for life and work after taking measures to restrict consumption:

(a) when taking the means of transportation, choose the second class or above of the plane, train soft sleeper and ship;

(two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;

(three) the purchase of real estate or new construction, expansion, high-grade decoration of housing;

(four) leasing high-grade office buildings, hotels, apartments and other places to work;

(5) Purchasing non-essential vehicles;

(6) tourism and vacation;

(seven) children attending private schools with high fees;

(8) Paying high premiums to purchase insurance wealth management products;

(9) Non-essential consumption behaviors such as taking all seats of G-prefix EMU trains and first-class and above seats of other EMU trains.

3. If the person subjected to execution is a unit, the person subjected to execution, its legal representative, principal responsible person, the person directly responsible for debt performance and the actual controller shall not carry out the acts specified in the preceding paragraph after taking measures to restrict consumption. Anyone who uses personal property for private consumption to commit the acts mentioned in the preceding paragraph may apply to the enforcement court for enforcement. If the examination by the enforcement court is true, it shall be allowed.

Extended data:

cause

Personal credit records are tainted mainly because most consumers do not know enough about personal credit. Under normal circumstances, if the credit card holder fails to repay the loan three times in a row or six times in total, the bank with strict loan examination and approval will not agree to issue the loan.

Having a credit stain is not only disgraceful, but also brings trouble to applying for a large loan. It is understandable that consumers "erase" bad credit records. If the credit stain is forcibly removed, then the history of good faith is disloyal, objective and incomplete. It is also not conducive to a comprehensive, objective and accurate evaluation of the recorded object.

Advocating to erase bad records after long-term honesty is nothing more than worrying that stains will affect the fairness of evaluation. Banks or other evaluators should conduct a comprehensive evaluation of the stains in credit records, and they should not ignore the existence of stains, let alone deny the brilliance of the sun because of the existence of "sunspots".

Records are "dead" and evaluations are "alive". People will inevitably make some mistakes in their life. The key to the problem is how to treat the stain correctly, rather than trying to erase it.

Avoidance principle

When using a credit card, personal credit is affected by breach of contract, resulting in a credit stain, which cannot be recovered by returning the card. It will only make the bank identify it as "malicious overdraft" in the future, and this negative record will be retained for a long time. In housing mortgage loan, if there is overdue repayment, the number of times will be accumulated, and this record will not be eliminated until the loan is paid off.

When handling credit cards, the bank has a contract with the customer, so the customer is bound by the contract law. No matter whether the repayment is not timely due to subjective will or overdue due to objective reasons, commercial banks and the Credit Information Center of the People's Bank of China have no responsibility to coordinate or change this information. As a customer, we should try our best to fulfill our responsibilities according to the contract.

processing method

After each loan or credit card is issued, each commercial bank shall submit the borrower's repayment record to the credit information system in the format specified by the central bank every month, and form a personal credit report on this basis.

The Credit Information Center of the People's Bank of China has filed all the collected repayment information. The Regulation on Credit Information Management (Draft for Comment) published by the State Council Legislative Affairs Office in July, 201/2000 stipulates that the retention period of personal bad information collected by credit information agencies is 5 years, counting from the date of termination of bad behavior or events; If it has been more than 5 years, the credit reporting agency shall be deleted.

Some update mechanisms show that if a customer repays on time every month from now on, the bank will re-evaluate his credit status after a period of time, and the key is to actively maintain his credit record.

Baidu encyclopedia-credit stain