Ant Flower Garden and Ant Borrow claimed that "overdue records will be recorded in Sesame Credit and uploaded to the basic database of financial information according to regulations"; Ant Flower Garden and Ant Borrowing Garden also said that "overdue repayment will generate corresponding overdue interest, and overdue records will be deleted. Submitting to Sesame Credit will affect the sesame score and may also affect the user's credit. There are side effects "

In this regard, the reporter recently consulted Alipay's customer service, and the other party said that if you simply use "flower buds" and "borrowing buds", it will not be reflected in the central bank's credit record. However, if the overdue situation is serious, it is likely that the overdue records will be reported to the central bank's credit information system.

Extended data

Establish a personal credit information system, so that everyone has an independent position, an independent image and an independent information base in the personal credit information system. Everyone's words and deeds will be exposed to the public's sight, thus forming a good mechanism of mutual supervision and mutual restraint, promoting everyone's credit awareness, standardizing credit behavior, and allowing everyone to fully consider the consequences of these behaviors before making certain behaviors.

For example, traffic violations, drunk driving and drunk driving were all very common in the past. With the revision of traffic regulations, the punishment for drunk driving has increased. Nowadays, drunk driving has become less and less. If drunk driving can also be included in the credit information system, it may play a better role in solving the problem of drunk driving.

The construction of personal credit information system needs close cooperation from all sides, and relevant parties should coordinate their participation according to law and resolutely abandon departmental interests, which is very important for the construction of credit information system. The construction and application of personal credit information system must be supported by all relevant departments, enterprises and individuals. Only in this way can the data of personal credit information system be comprehensive, correct and reliable, and can effectively reflect a person's credit level and consciousness.

Baidu Encyclopedia-list of perfidy executors

People's Network-It's not difficult to borrow it again if it's good. Peer-to-peer lending may also affect credit.

People's Network-let personal credit information penetrate into every detail.