政策背景:由人民银行制定的《个人信用信息基础数据库管理暂行办法》将自10月1日起实施。目前全国已有127家商业银行实现了个人信用数据库联网,全国金融机构个人消费贷款90%的信用记录已经入库。今后,个人在全国任何银行所开的账户,都将汇集到同一身份证号下,贷款时,信贷审查人 Policy Background: The Interim Measures for the Management of Basic Database of Personal Credit Information formulated by the People’s Bank will be implemented as of October 1. At present, 127 commercial banks across the country have achieved personal credit database networking, and 90% of credit records for personal consumer loans in financial institutions across the country have been warehousing. In the future, the accounts held by any individual in any bank in the country will be collected under the same ID number. When the loan is made, the credit examiner