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_blank class=infotextkey>央行征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心_blank class=infotextkey>get=_blank class=infotextkey>方_blank class=infotextkey>面指出，仅就本次_blank class=infotextkey>get=_blank class=infotextkey>升级而言，_blank class=infotextkey>get=_blank class=infotextkey>由于_blank class=infotextkey>get=_blank class=infotextkey>升级前后向征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>系统报送_blank class=infotextkey>get=_blank class=infotextkey>数据的机构和_blank class=infotextkey>get=_blank class=infotextkey>数据种类_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>大的_blank class=infotextkey>get=_blank class=infotextkey>变化，因此，对个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济_blank class=infotextkey>get=_blank class=infotextkey>生活的_blank class=infotextkey>get=_blank class=infotextkey>影响_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>发生_blank class=infotextkey>get=_blank class=infotextkey>太_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>get=_blank class=infotextkey>变化。
对于_blank class=infotextkey>get=_blank class=infotextkey>考虑采集_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>共同借款_blank class=infotextkey>get=_blank class=infotextkey>”_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信息，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中国_blank class=infotextkey>get=_blank class=infotextkey>人民_blank class=infotextkey>get=_blank class=infotextkey>银行征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心副主任_blank class=infotextkey>get=_blank class=infotextkey>王晓蕾_blank class=infotextkey>get=_blank class=infotextkey>2_blank class=infotextkey>get=_blank class=infotextkey>2日_blank class=infotextkey>get=_blank class=infotextkey>表示，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信用_blank class=infotextkey>get=_blank class=infotextkey>报告里_blank class=infotextkey>面_blank class=infotextkey>不但_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>信贷_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信息，_blank class=infotextkey>get=_blank class=infotextkey>还_blank class=infotextkey>get=_blank class=infotextkey>有婚姻状况。根据《婚姻法》，结_blank class=infotextkey>get=_blank class=infotextkey>婚后_blank class=infotextkey>get=_blank class=infotextkey>夫妻_blank class=infotextkey>get=_blank class=infotextkey>双方_blank class=infotextkey>get=_blank class=infotextkey>构成_blank class=infotextkey>get=_blank class=infotextkey>一个_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济_blank class=infotextkey>get=_blank class=infotextkey>体，财产是_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>共_blank class=infotextkey>get=_blank class=infotextkey>有的，_blank class=infotextkey>债务也是_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>共_blank class=infotextkey>get=_blank class=infotextkey>有的。从_blank class=infotextkey>get=_blank class=infotextkey>这个角度来说，对于征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>系统，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>共同借款的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信息在现_blank class=infotextkey>get=_blank class=infotextkey>行的_blank class=infotextkey>get=_blank class=infotextkey>报告_blank class=infotextkey>get=_blank class=infotextkey>中虽然_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有直接反映，但相关_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信息也是给到_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>金融机构的。
在进一步优化_blank class=infotextkey>get=_blank class=infotextkey>升级的过程_blank class=infotextkey>get=_blank class=infotextkey>中，_blank class=infotextkey>get=_blank class=infotextkey>这些_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信息将被_blank class=infotextkey>get=_blank class=infotextkey>更加_blank class=infotextkey>get=_blank class=infotextkey>明确_blank class=infotextkey>get=_blank class=infotextkey>地在_blank class=infotextkey>get=_blank class=infotextkey>报告_blank class=infotextkey>get=_blank class=infotextkey>中_blank class=infotextkey>get=_blank class=infotextkey>展示出来。_blank class=infotextkey>get=_blank class=infotextkey>王晓蕾举例说，一笔_blank class=infotextkey>get=_blank class=infotextkey>贷款，_blank class=infotextkey>get=_blank class=infotextkey>有可能是_blank class=infotextkey>get=_blank class=infotextkey>夫妻，也_blank class=infotextkey>get=_blank class=infotextkey>有可能是_blank class=infotextkey>get=_blank class=infotextkey>孩_blank class=infotextkey>get=_blank class=infotextkey>子跟_blank class=infotextkey>get=_blank class=infotextkey>父母，这笔_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>展示在借款主_blank class=infotextkey>get=_blank class=infotextkey>体_blank class=infotextkey>get=_blank class=infotextkey>名_blank class=infotextkey>get=_blank class=infotextkey>下，_blank class=infotextkey>get=_blank class=infotextkey>有两个就_blank class=infotextkey>get=_blank class=infotextkey>展示在两个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>名_blank class=infotextkey>get=_blank class=infotextkey>下，_blank class=infotextkey>get=_blank class=infotextkey>有三个就_blank class=infotextkey>get=_blank class=infotextkey>展示在三个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>名_blank class=infotextkey>get=_blank class=infotextkey>下。
她_blank class=infotextkey>get=_blank class=infotextkey>表示，对于以后可能_blank class=infotextkey>get=_blank class=infotextkey>会因为_blank class=infotextkey>get=_blank class=infotextkey>离婚以_blank class=infotextkey>get=_blank class=infotextkey>及其他_blank class=infotextkey>原因导致_blank class=infotextkey>原_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同的借款主_blank class=infotextkey>get=_blank class=infotextkey>体_blank class=infotextkey>get=_blank class=infotextkey>发生_blank class=infotextkey>get=_blank class=infotextkey>变化，征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心也_blank class=infotextkey>get=_blank class=infotextkey>会根据报送的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信息及_blank class=infotextkey>时_blank class=infotextkey>get=_blank class=infotextkey>进行更_blank class=infotextkey>get=_blank class=infotextkey>新。
此前，业界的_blank class=infotextkey>关注点都_blank class=infotextkey>get=_blank class=infotextkey>集_blank class=infotextkey>get=_blank class=infotextkey>中在_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>共同借款_blank class=infotextkey>get=_blank class=infotextkey>”_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信息对于_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房的_blank class=infotextkey>get=_blank class=infotextkey>影响_blank class=infotextkey>get=_blank class=infotextkey>上。_blank class=infotextkey>get=_blank class=infotextkey>“对于_blank class=infotextkey>get=_blank class=infotextkey>一般_blank class=infotextkey>get=_blank class=infotextkey>家庭，_blank class=infotextkey>get=_blank class=infotextkey>一个_blank class=infotextkey>get=_blank class=infotextkey>人很可能_blank class=infotextkey>不够_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>要求_blank class=infotextkey>get=_blank class=infotextkey>”，_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>专家认为，厚_blank class=infotextkey>get=_blank class=infotextkey>街，_blank class=infotextkey>如果要_blank class=infotextkey>get=_blank class=infotextkey>贷款，_blank class=infotextkey>get=_blank class=infotextkey>多数_blank class=infotextkey>get=_blank class=infotextkey>需要_blank class=infotextkey>get=_blank class=infotextkey>夫妻_blank class=infotextkey>get=_blank class=infotextkey>双方都_blank class=infotextkey>get=_blank class=infotextkey>提供_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入_blank class=infotextkey>get=_blank class=infotextkey>证明_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>共同_blank class=infotextkey>get=_blank class=infotextkey>贷款，在_blank class=infotextkey>get=_blank class=infotextkey>“认_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>又认贷_blank class=infotextkey>get=_blank class=infotextkey>”的_blank class=infotextkey>get=_blank class=infotextkey>情况_blank class=infotextkey>get=_blank class=infotextkey>下，_blank class=infotextkey>get=_blank class=infotextkey>这个_blank class=infotextkey>get=_blank class=infotextkey>变化对个_blank class=infotextkey>get=_blank class=infotextkey>人的_blank class=infotextkey>get=_blank class=infotextkey>影响并_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>大。
_blank class=infotextkey>get=_blank class=infotextkey>王晓蕾_blank class=infotextkey>get=_blank class=infotextkey>表示，对于一_blank class=infotextkey>get=_blank class=infotextkey>代征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>系统，在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同_blank class=infotextkey>get=_blank class=infotextkey>上可能只写了_blank class=infotextkey>get=_blank class=infotextkey>一个_blank class=infotextkey>get=_blank class=infotextkey>人的名字，但因为征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>报告_blank class=infotextkey>get=_blank class=infotextkey>上反映了婚姻状况，所以对于_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>金融机构来说，_blank class=infotextkey>get=_blank class=infotextkey>其实_blank class=infotextkey>get=_blank class=infotextkey>可以触及到_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同。另一_blank class=infotextkey>get=_blank class=infotextkey>方_blank class=infotextkey>面，在_blank class=infotextkey>不同_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时期、_blank class=infotextkey>不同_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>金融机构_blank class=infotextkey>以及在_blank class=infotextkey>不同_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政策之_blank class=infotextkey>get=_blank class=infotextkey>下，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>金融机构对同样_blank class=infotextkey>get=_blank class=infotextkey>一个_blank class=infotextkey>get=_blank class=infotextkey>信贷事实的_blank class=infotextkey>get=_blank class=infotextkey>处理_blank class=infotextkey>get=_blank class=infotextkey>方式可能是_blank class=infotextkey>不同的。假如说_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同_blank class=infotextkey>get=_blank class=infotextkey>发生_blank class=infotextkey>get=_blank class=infotextkey>变化，借款_blank class=infotextkey>get=_blank class=infotextkey>人从两个_blank class=infotextkey>get=_blank class=infotextkey>人变成_blank class=infotextkey>get=_blank class=infotextkey>一个_blank class=infotextkey>get=_blank class=infotextkey>人，征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>系统_blank class=infotextkey>get=_blank class=infotextkey>会及_blank class=infotextkey>时_blank class=infotextkey>get=_blank class=infotextkey>进行_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信息变更，除此之外，则_blank class=infotextkey>get=_blank class=infotextkey>需要_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>金融机构甚至_blank class=infotextkey>get=_blank class=infotextkey>法院_blank class=infotextkey>get=_blank class=infotextkey>进行判_blank class=infotextkey>定。
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_blank class=infotextkey>get=_blank class=infotextkey>王晓蕾建议，对个_blank class=infotextkey>get=_blank class=infotextkey>人而言，要爱护个_blank class=infotextkey>get=_blank class=infotextkey>人的_blank class=infotextkey>get=_blank class=infotextkey>身份_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信息，对于_blank class=infotextkey>get=_blank class=infotextkey>自己_blank class=infotextkey>不太_blank class=infotextkey>get=_blank class=infotextkey>了解的机构、_blank class=infotextkey>网站，_blank class=infotextkey>如果_blank class=infotextkey>要给出_blank class=infotextkey>get=_blank class=infotextkey>自己_blank class=infotextkey>get=_blank class=infotextkey>身份_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信息，一_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>定要_blank class=infotextkey>get=_blank class=infotextkey>保持_blank class=infotextkey>get=_blank class=infotextkey>谨慎。
_blank class=infotextkey>get=_blank class=infotextkey>“实际过程_blank class=infotextkey>get=_blank class=infotextkey>中，也_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>一些_blank class=infotextkey>get=_blank class=infotextkey>企业在_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>知道担_blank class=infotextkey>get=_blank class=infotextkey>保_blank class=infotextkey>get=_blank class=infotextkey>含义的_blank class=infotextkey>get=_blank class=infotextkey>情况_blank class=infotextkey>get=_blank class=infotextkey>下做了担_blank class=infotextkey>get=_blank class=infotextkey>保_blank class=infotextkey>get=_blank class=infotextkey>”。_blank class=infotextkey>get=_blank class=infotextkey>专家也指出，在_blank class=infotextkey>get=_blank class=infotextkey>达成_blank class=infotextkey>get=_blank class=infotextkey>每_blank class=infotextkey>get=_blank class=infotextkey>一个_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同_blank class=infotextkey>get=_blank class=infotextkey>之前，一_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>定要想方设法对_blank class=infotextkey>get=_blank class=infotextkey>这个_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同对于本_blank class=infotextkey>get=_blank class=infotextkey>人、本_blank class=infotextkey>get=_blank class=infotextkey>企业可能_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>带来的_blank class=infotextkey>get=_blank class=infotextkey>影响_blank class=infotextkey>get=_blank class=infotextkey>有充分的认识。
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董希淼说，对_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公众而言，_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>重要的是要_blank class=infotextkey>get=_blank class=infotextkey>维护好个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信用_blank class=infotextkey>get=_blank class=infotextkey>记录：一是要_blank class=infotextkey>get=_blank class=infotextkey>保护好个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>身份证件，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>房，_blank class=infotextkey>get=_blank class=infotextkey>防止个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>身份被盗用；二是_blank class=infotextkey>合理安排_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>金融_blank class=infotextkey>get=_blank class=infotextkey>消费，透支_blank class=infotextkey>get=_blank class=infotextkey>消费量力而行，_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>参与_blank class=infotextkey>get=_blank class=infotextkey>非法集资，_blank class=infotextkey>get=_blank class=infotextkey>少从非正规_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>金融机构借贷；_blank class=infotextkey>get=_blank class=infotextkey>三是_blank class=infotextkey>get=_blank class=infotextkey>正确_blank class=infotextkey>get=_blank class=infotextkey>使用_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信用卡，_blank class=infotextkey>不恶意透支，_blank class=infotextkey>不虚假_blank class=infotextkey>get=_blank class=infotextkey>交易、违规套现；四是要养成_blank class=infotextkey>get=_blank class=infotextkey>好的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信用习惯，平_blank class=infotextkey>时_blank class=infotextkey>get=_blank class=infotextkey>注意_blank class=infotextkey>get=_blank class=infotextkey>细节，按_blank class=infotextkey>时足额还款包括从网贷_blank class=infotextkey>get=_blank class=infotextkey>平台、_blank class=infotextkey>get=_blank class=infotextkey>小贷_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司的借款，避免_blank class=infotextkey>get=_blank class=infotextkey>造成_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信用_blank class=infotextkey>get=_blank class=infotextkey>报告_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中的负_blank class=infotextkey>面_blank class=infotextkey>get=_blank class=infotextkey>记录。_blank class=infotextkey>get=_blank class=infotextkey>一个_blank class=infotextkey>get=_blank class=infotextkey>良好的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信用_blank class=infotextkey>get=_blank class=infotextkey>记录，_blank class=infotextkey>get=_blank class=infotextkey>可以提_blank class=infotextkey>get=_blank class=infotextkey>高个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>获得_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>金融_blank class=infotextkey>get=_blank class=infotextkey>服务的_blank class=infotextkey>get=_blank class=infotextkey>可能性和便利性，_blank class=infotextkey>get=_blank class=infotextkey>价格_blank class=infotextkey>get=_blank class=infotextkey>上还能_blank class=infotextkey>get=_blank class=infotextkey>有优_blank class=infotextkey>get=_blank class=infotextkey>惠。
