日前,中国人民银行已经和信息产业部达成协议,同意电信用户缴费信息接入个人征信系统,并已经责成各地人民银行和电信企业推进这项工作。按照这个协议,如果一个用户无故欠费超过2个月,相关信息就会被银行记入个人信用报告,这不仅要直接影响到对该客户发放贷款,甚至可能影响到该客户生活的方方面面。为此,群众对此“联姻”极为反感。因为“联姻”对象偏偏是群众意见比较大、在消费者心目中本来就有诚信缺陷的电信企业。这种“联姻”一旦成为事实,将会进一步助长企业的霸道行径,而使本身就处在弱势地位的广大消费者的合法权益更难维护,地位更难保障。银行可以考核自己客户的诚信度,有什么资格对电信行业的客户进行诚信度考核?而从现在许多事实特别是服务规范来看,我们的银行本身就因不少做法令人对其诚信度产生怀疑,这样的企业,也有资格充当社会人信用的“法官”? Recently, the People’s Bank of China (PBC) has reached an agreement with the Ministry of Information Industry to agree that payment information of telecommunications subscribers should be accessed into the personal credit information system and that PBC and telecommunications enterprises across the country have been instructed to promote this work. According to this agreement, if a user owes more than two months for arrears, the relevant information will be credited by the bank to the personal credit report, which not only directly affects the loan to the customer but may affect all aspects of the customer’s life. To this end, the masses of this “marriage ” extremely disgusted. Because “marriage ” object happens to be the public opinion is relatively large, in the minds of consumers already have integrity flaws telecommunications companies. This “marriage ” once become a fact, will further encourage business overbearing behavior, leaving the legitimate rights and interests of consumers in their own disadvantaged position more difficult to maintain the status more difficult to protect. Banks can assess the credibility of their customers, what qualifications for the credibility of the telecommunications industry customers assessment? And from many facts, especially service standards, our bank itself because of many practices that make its credibility Suspected that such enterprises are also eligible to serve as social credit “judge”?