非恶意个人信用不良记录的长效防范机制研究

Research on Long-term Effective Mechanism for Preventing against Non-malicious Bad Individual Credit Records

现实生活中,居民由于种种原因产生了大量非恶意逾期记录,这不仅给其本身带来了不便,还可能对征信系统、商业银行等造成不利影响。因此,有必要建立一套长效机制来加强非恶意个人信用不良记录的防范。

Owing to various reasons, a large number of non - malicious overdue records occur for residents in real life, which not only makes residents themselves inconvenient, but also result in adverse effects on the credit referenee system and the commercial hanks. Therefore, it＇s necessary to establish a long -term effective mechanism for strengthening and preventing against the non -malicious bad individual credit records.