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个人信用记录是怎么规定的
释义
法律分析:
个人信用记录的规定为:根据居民的家庭收入与资产、已发生的借贷与偿还、信用透支、发生不良信用时所受处罚与诉讼情况,对个人的信用等级进行评估并随时记录、存档,以便于个人信用的供给方决定是否对其提供信用或者提供多少信用。《中华人民共和国商业银行法》第七条
商业银行开展信贷业务,应当严格审查借款人的资信,实行担保,保障按期收回贷款。
商业银行依法向借款人收回到期贷款的本金和利息,受法律保护。
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principle of reasonableness and consistency
principle of reciprocity
principle of regeneration through own efforts
principle of reinforcing supervision and control over product quality
principle of relying upon the masses
principle of restituting actual losses
principle of restrictive aggravation
principle of retroactivity
principle of rule of law
principle of safeguarding public interests of the state and society
principle of safeguarding the fundamental human rights
principle of safeguarding the fundamental rights of citizens
principle of safeguarding the rights of the party interested
principle of sanctity of treaty
principle of seeking truth from facts
principle of self-determination of peoples
principle of self-reliance
principle of sentencing
principle of separating governmental functions from enterprise management
principle of severe punishment in combat situation
principle of simple and efficient administration
principle of simultaneous activities
principle of socialist humanism
principle of specialty
principle of specific attribution
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更新时间:2025/11/29 10:14:48