Shanghai Library Shanghai Central Library will bring the following three situations into the management of Shanghai credit information service platform.
The first case: borrowing books is overdue for more than one year;
The second case: the book is overdue and has been returned, but the overdue fine has not been paid for more than one year;
The third case: theft (stealing books, stealing equipment, etc. ) is verified.
Shanghai Library is docking with Shanghai Credit Information Management Office and Shanghai Credit Information Service Platform to refine related work. We will vigorously promote this work with all public libraries in the city in stages and step by step. Once the timetable is determined, it will be announced to readers in time.
Before the formal implementation, we will increase publicity, improve service level and let readers know through various channels. I hope to work with readers to explore a new way to innovate and enrich the construction of citizens' morality and social credit system.
According to international practice, general negative information is kept for 7 years, especially serious and obviously malicious negative information is kept for 10 year. Negative information will be deleted from the credit report if it exceeds the retention period.
The first and second negative records of the above three situations will be saved on the credit information platform 1 year; Article 3 Negative records will be kept on the credit information platform for 2 years.
In the above three cases, the first and second negative records belong to authorized inquiry, and only others can inquire with your authorization.
In the above three cases, the third negative record belongs to public inquiry, and others can inquire.
Shanghai public credit information service platform has negative records, which can only show that individuals have not fulfilled their obligations as agreed in the contract. Credit quality is a comprehensive judgment made by the credit reporting unit according to your personal credit report and referring to your other information. Negative records and bad credit cannot be equated.
These records, like other information in the credit report, will become one of the reference bases for bank loan review. The success of the loan application ultimately depends on the bank's loan decision.