为什么个人信用报告中不区分“善意”欠款与“恶意”欠款？
提问者 :
旦增卓玛
时间 :
2019-03-04 11:37:29
所属分类 :
买房
回答详情
共有1个回答
-
宁静海滩
首先，中国人民银行征信中心出具的个人信用报告是对个人过去信用行为的客观记录，并不对个人的信用好坏进行定性的判断，不对欠款进行“善意”欠款或者“恶意”欠款的区分，是为了保证信息的客观性。 其次，商业银行等个人信用报告的使用机构会根据个人的实际情况和其他信息对客户的履约能力和意愿进行综合判断。因此，个人信用报告中不区分“善意”欠款与“恶意”欠款。
2019-03-04 11:38:35
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