Attention! Software miss with a taxi or affect your future loans to buy a house

Miss with a taxi software, online shopping fake cash transactions, Taobao sale of counterfeits,play Olaf Games etc. These seemingly insignificant stain on the Internet, it will affect you later buy a car, buy a house and other loans. January 5, People's Bank of China issued "on good personal credit operational readiness," which requires eight domestic agencies prepare individual credit business, sesame credit, credit Tencent, Shenzhen Qianhai credit after Peng yuan credit, CCIS, Chile Wanted letter, Beijing Road, credit, etc., will be the central bank to "release" the first allowed to carry out the operational readiness of individual credit institutions 8. This marks the official opening of the personal credit information to Internet companies. Vest sacrifice a big deal, at any time to sign up for a full blood resurrection, after such a wayward life or the Internet will be gone forever. According to the Prime Minister visited Tencent disclose Personal Credit Tips The first working day of 2015, Premier Li Keqiang visited Shenzhen Qianhai micro public bank and Qiaoxia computer Enter key, this new issue its first virtual bank loans. A Premier Li Keqiang inspected photos online crazy pass, Tencent CEO Ma (microblogging) watching the whiteboard behind the prime minister has become the focus of heated debate online. Because the enlarged photo to see clearly, it was with this ink pen on the whiteboard to draw a complete "data acquisition" a micro-public banks, data sources including banks and Tencent's products and services. Bank lending data comprising data, data on deposits, credit card data; the data are Tencent micro letters, phone QQ, TenPay, Tencent games. Yesterday Tencent responsible person to WCC reporter admitted that the main source of data in the above photo of the whiteboard to show precisely Tencent credit information. The official said, Tencent can tap the credit and risk analysis techniques to predict its performance and credit worthiness through huge amounts of data, "If a person of high creditworthiness, so he buy a car or buy Internet financial products, it will enjoy relatively higher credit line, the application process is also relatively simple. " At the same time, for transactions and other acts of fraud through social networks, the future is also expected to be play Talking Angela Games included among the category of personal credit information. "After the sale of counterfeit goods similar circle of friends will also be standardized." Tencent relevant responsible person said, the last major financial institutions by the central bank cited personal credit report, but for some blue-collar workers, students, self-employed, freelancers and other users, they do not establish a personal credit history. "These users may be active users of Tencent, they use social portal, games, payment and other services, we build their personal credit score." He said. Personal Credit digging treasure virtual consumer credit "Notice" show, Ali ants gold dress's credit sesame named one of eight institutions. Ants gold dress official told this reporter, sesame credit daily processing capacity at 30PB of data, equivalent to the amount of data 5000 National Library, which contains the user online shopping, payments, transfers, and other aspects of personal information data. Ants gold credit data service chief scientist Shuwu Jie said: "The development of the Internet to personal credit information industry has brought a great leap forward with the development of the Internet, human behavior can be recorded into 24 hours.." Previously, attempts have been made to the ants gold dress of credit data in a variety of businesses. One of the most typical when ants micro loan business, according to the user data on the platform to its credit, you apply for a loan without collateral and mortgages. Since the 2010 launch to March 2014, already more than 700,000 loans to small and micro enterprises amounted to 190 billion yuan. Just recently, some users are still ants in microfinance test launch of the "Flower chant" service, users can "credit" on Taobao Lynx, in the next month after confirmation of receipt of payment to 10 days. Industry insiders say that it is already part of the realization of the virtual credit card functionality, currently in the electricity business credit consumption comparison service known products are "Jingdong IOUs' and Lynx staging. Internet trustworthy or not the impact of future life The industry believes that the personal credit information open to the Internet, the impact on the individual consumer credit is much more than a virtual online shopping. Because Ali Tencent two business almost cover the basic needs of everyone. Today, buy clothes, eat, take a taxi, stay Tencent Ali are likely to use network services, these processes whether your behavior integrity,play Barbie Dress Up Games relationship to facilitate future life, in extreme cases may be "unable to move without the letter." Yesterday drops relevant person in charge told reporters, has not yet received notification Headquarters, the taxi breach included Tencent credit system, but the future of such a possibility. "The consequences of default may not only affect a taxi, will affect your credit." And trustworthy people can return. Credit Sesame person, for example, such as providing credit record for the car rental company, people with high credit scores can be removed from the deposit. Maybe in the future on the dating site, you can filter the data by credit partner, prevent Pianhun; when renting, you can issue a credit report, passed landlord visits; in seeking jobs, can rely on a credit report recognized units ...... Expert opinion: financial internet key to credit and large data Credit market is considered to be the next "gold mine" of the Internet. According to Hong Yuan Securities analyst forecast, China's personal credit market space for 103 billion yuan, while the total size of the current personal credit and business credit of only 20 million. "Credit market demand for both the economy has enormous potential late, Ali and Tencent also has the advantage in this regard." Finance and commentator Yufeng Hui said that the construction of this commercial interests of China credit credit system is very large cake, who seize the opportunity, who We will seize a high growth industry, and the opportunity to monetize a lot of money. Chinese Academy of Social Sciences Institute of Finance researcher Yixianrong made it clear that the Internet has changed is the financial reality of financial rather than in financial itself, currently the largest Internet financial risk is credit risk. "If you have a sound credit system, financial risk control of the Internet to do it will not be so difficult, many industries have this requirement, Ali, Tencent and other Internet companies to enter the field of personal credit information will help improve the social credit system, Internet financial risk control will not be so difficult to do it, this is play Cooking Games the trend. "economic information Engineering, vice president of Southwest University of Finance Wang Yu told reporters.