本报记者王雪姣

Our reporter Wang Xuejiao

　　带上有效身份证件到当地人民银行征信管理部门查询信贷报告的日子对于四川人民来说已经成为过去式。央行在川试点推广的互联网个人信用信息服务平台，不仅为公众提供了便捷的非现场查询服务渠道，有利于相关金融机构开展业务。业内人士称，征信管理事业的这一小步，也将开启信贷服务的新局面。

Bring valid id card to check credit report by the administrative departments of local people's bank of China credit reporting day for the people of sichuan has become the past type.Central Banks in the pilot to promote Internet personal credit information service platform,Not only provides the public with convenient off-site query service channel,Conducive to the relevant financial institutions to carry out the business.The personage inside course of study says,This one small step for a credit management,Will open the new situation of services in the credit.

　　足不出户查信用报告

Never leave home to check credit reports

　　“去年我姐办房贷的时候我才知道要个人信用报告作为证明，需要去人行征信管理处查询。我姐工作忙，还委托我帮她去办理。”成都的年轻白领小徐向记者回忆道，当时自己带着一沓文件和委托证明坐车穿越了大半个城市，去人南立交处的人行成都分行查报告。“因为报告并不是立即可取，所以虽然查询免费，但自己在留下邮箱之余，还是留下了快递的费用。”

"When my sister do mortgages last year I didn't know to as a personal credit report,Need to go to the pedestrian credit reporting service query.My elder sister work busy,Also entrust me to help her to deal with."Chengdu young white-collar xu recalled to the reporter,I had took a stack of documents and entrust proof rode through the better part of a city,Go south overpass pedestrian chengdu branch of people check report."Immediately because the report is not desirable,So although the query for free,But himself in the leave of email,Or the cost of the Courier."

　　而今，正打算买房的小徐感叹道：“我的房贷晚了一点，在查信用报告上就方便了太多，不仅不用来回奔波，也不用顾虑银行的工作时间，晚上下班回家之后开始操作，抱着电脑不用半小时就可以全部搞定，第二天邮箱就能收到报告！”

now,Are going to buy a house xu said with a sigh:"My mortgage is a bit late,On the check credit report is convenient for too much,Not only don't have to travel back and forth,Don't have to worry about your bank working hours,Night came home from work after the start operation,Holding the computer don't have to half an hour can be all done,The next day mailbox can receive the report!"

　　事实上，小徐所说的“网上查询”，正是中国人民银行征信中心正在积极推广的一项服务，通过向社会公众开放“互联网个人信用信息服务平台”（https://ipcrs. pbccrc.org.cn/），可以提供安全高效的非现场信用查询服务，拓展个人信用信息获取渠道。

In fact,,"Xu said"The Internet query",It is the people's bank of China credit reporting center is actively promoting a service,Through the open to the public"The Internet of personal credit information service platform"(https://ipcrs. pbccrc.org.cn/),Can provide a safe and efficient off-site credit query service,Expand access to personal credit information.

　　记者从人行成都分行了解到，在正式面向全国提供个人信用信息互联网查询服务前，为确保平台服务的有效性，验证平台业务功能，中国人民银行征信中心决定于2013年3月27日至2013年9月30日，面向江苏、四川、重庆三省（市）社会公众开展平台验证试用。验证试用期间，凡持有江苏、四川和重庆三省（市）身份证（即身份证号码前两位为32、51、50）的个人，均可登录平台查询本人的信用信息。和现场查询相同，网上可进行每年两次的免费查询。

The reporter understands from the pedestrian, chengdu branch,In formal before facing the whole country to provide personal credit information Internet search service,In order to ensure the effectiveness of the platform service,Validation platform business functions,The people's bank of China credit reporting center depends on March 27, 2013 to September 30, 2013,Jiangsu oriented/sichuan/In the three provinces of chongqing(The city)The social public to carry out the platform validation trial.Verify the probation period,Holding in jiangsu province/Sichuan and chongqing provinces(The city)Id card(The former two id number is 32/51/50)Of the individual,Can login query my credit information platform.And the query is the same,Online can be free query twice a year.

　　此前，如果要查询个人的信用报告，需要本人带上自己的有效身份证件的原件及复印件，到中国人民银行征信中心或个人所在的当地人民银行征信管理部门查询，其中复印件要留给查询机构备查。此外，在查询时，还要如实填写个人信用报告本人查询申请表。如果本人无法亲自前往而需要委托他人查询时，查询人应携带自己和委托人的有效身份证件原件和复印件、委托人签名的授权查询委托书到中国人民银行征信管理部门查询委托人的信用报告。在今年1月《征信业管理条例》出台之后，个人每年免费向征信机构查询自己的信用报告的机会已经由一次提升为两次。

after,If you want to access to personal credit report,Need I bring your own valid identity certificate of the original and photocopy,To the people's bank of China credit reporting center or individual local credit management departments of the people's bank of the query,One copy is for the query mechanism for future reference.In addition,In the query,I query application also truthfully fill in your credit report.If I can't visit to the need to entrust other queries,People should carry themselves and the principal of the original and copy of the valid identity certificate/His signature authorization query a power of attorney to the people's bank of China credit management department to query the client credit report.In January this year[Credit reporting industry regulations]After the,Personal annual free check your own credit report to credit bureaus have a second chance to promoted to twice.

　　开启全面便捷的信贷服务

Open credit comprehensive and convenient services

　　据悉，中国人民银行征信中心搭建这一平台，旨在为社会公众提供一个新的非现场查询服务渠道，个人通过互联网及手机短信就可以查询本人信用信息，对于更好地维护社会公众的知情权、提升社会信用意识具有重要意义。

It is understood,The people's bank of China credit reporting center set up this platform,Designed to provide the public a new off-site query service channel,People through the Internet and SMS can query my credit information,To better safeguard social public right to know/Improve the social credit consciousness is of great significance.

　　随着个人信贷的日益发展，越来越多的人开始关注自己的征信报告。据今年年初人行成都分行征信管理处发布的数据显示，2012年个人信用信息数据库在四川辖内查询量达到605.7万次，同比增长17.5%。其中，四川各级人民银行为社会公众提供查询服务21.3万次，同比增长113%，人民银行成都分行政务大厅最高一天的查询量就超过700次，创历史新高。

With the development of personal credit,More and more people begin to pay close attention to their own credit report.According to figures released earlier this year the pedestrian chengdu branch credit reporting service,In 2012,个人信用信息数据库在sichuan辖内查询量达到605.7万次,Up 17.5% from a year earlier.Among them,Sichuan province at all levels provide query service for social public of the people's bank of 213000 times,Up 113% from a year earlier,Chengdu branch of the government affairs hall of the people's bank of the highest amount of query is more than 700 times a day,A record high.

　　记者了解到，为保障个人信息安全，个人必须在数字证书验证方式和问题验证方式中择一进行身份验证，只有通过身份验证的个人才能注册成为平台的用户。在选择问题验证方式时，个人需在线回答基于本人信用报告信息的5道私密性问题，若提交答案与个人征信系统收录的信息不完全一致，可能无法通过验证。个人可以转用数字证书方式进行身份验证，若两种方式均未通过验证，可到人民银行分支机构现场查询。

The reporter understands,In order to ensure the security of personal information,Individuals must be in the digital certificate verification and validation way alternative for authentication,Only authenticated people to register as a platform for users.When the selection method,Individuals need to be online to answer based on the information of my credit report 5 privacy issues,If you submit the answer and personal credit registry system included incomplete information consistent,May not be verified.Individuals can be way to adopt digital certificates for authentication,If two ways has not been verified,Can query to the branches of the people's bank of scene.

　　对于商业银行来说，个人可便捷地查询自己的征信报告，无疑有利于贷款业务的开展。“此前"人到现场"的查询条件，让贷款人不一定能及时获取报告，很可能一拖就耽误一个月，贷款审批也受到影响，现在则可以打消这种顾虑。”小徐的客户经理、某国有大行工作人员感叹道。

For commercial Banks,Individuals can easily check your credit report,Undoubtedly conducive to business loans."after"People to the scene"The query criteria,Lenders can not timely access to reports,Are likely to delay a month went on,Loan approval have also been affected,Now it can dispel the concerns."Xu account manager/A state-owned bank staff said.

　　这一举措的影响远不止于商业银行开展业务。“从央行征信中心官网公布的内容来看，其对具体操作步骤有详细图示说明，对于查询服务很有帮助，”成都市小额信贷协会会长孙献军告诉记者：“从另一个角度来看，也说明网上操作步骤较多，对于查询人员的要求偏高。运用到实际中的话，我们小贷公司的部分客户综合素质较欠缺，如果不会用电脑也不会上网，那就无法享受这一新颖的便民服务。”

The influence of the move far beyond the commercial Banks to conduct business."From the perspective of the content of central bank credit reporting center's website,The specific operation steps are detailed description here,Is very helpful for query service,"Microfinance association of chengdu will ChangSunXianJun told reporters:"From another perspective,Also suggests that more online operations,To the requirement of query staff is on the high side.Applied to the actual,We are part of the small loan company customers comprehensive quality is lacking,If not also won't get to the Internet with a computer,It will not be able to enjoy a new convenient service."

　　今年以来，小贷公司的数据获准接入征信系统，这不仅有利于央行掌握更全面的征信数据，在某种程度上，也打破了银行和小贷公司等金融机构之间的信息壁垒，促进机构之间的信息对称。孙献军指出：“就像小贷公司数据接入央行一样，个人信用报告可上网查询也可以看做是社会征信管理事业的向前发展，二者都有利于国内便捷、全面信贷体系的建设完善。”

Since the beginning of this year,Small loan company's data is allowed to access credit reporting system,This is not only beneficial to the central bank to grasp a more comprehensive credit reporting data,To some extent,And broke the Banks and financial institutions, such as small loans company information between the barriers,Information symmetry between promotion agencies.Sun Xianjun pointed out:"Just like small loans companies access to central bank data,Your credit report can surf the Internet query can also be seen as a social credit management career forward,Both favor domestic is convenient/Improve the comprehensive credit system construction."