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本帖最后由 byte77 于 17-4-2011 12:37 AM 编辑
我在网上查了一下， 大马国家银行提供大马国民信贷状况的系统叫CCRIS.
CCRIS不是任何人能随意进去看的，需要你本人出示IC去申请检查，或是申请银行贷款或信用卡时才能被该银行进去检查。
如果你借贷的大马银行碰巧是小新也有的银行（UOB/OCBC/Standardchartered/HSBC等)，就祝你好运。
总结：
1. 不要跟在大马的小新所有品牌银行有任何瓜葛。
2. 不要一次汇一大笔钱回大马（换钱的会要你小新IC，有记录）
3. 不要在‘非死不可’(face%b00k)上面贴屋子照片资料炫耀，在互联网发达的小新，网上资料已经时常成为机关的呈堂证供。
4. 不要用自己名字申请大马固定电话以免姓名地址被登在电话簿里。
5. 5年之内不要常时间住在大马屋子，每星期都要住组屋几天。
6. 最重要的是闭上你的嘴巴，不要在任何人面前提起大马的屋子。若被人问起，要说那是你爸妈亲戚的屋子。
http://www.duitmoney.com/ccris-report-from-bank-negara-id45/
One of the tools used by banks to evaluate the credit worthiness of a customer is to refer to the CCRIS report obtained (and maintained) by Bank Negara Malaysia (BNM). Beginning August 2001, CCRIS has become a crucial tool to the decision-making of the bank to approve the customer’s application. The report provides for real-time and on-line functions for banks to query for computerized customer credit reports as well as report relevant credit information to BNM.
CCRIS gives valuable details to the bank such as:
Details of all existing personal credit facilities of a customer, such as type of facility, and ownership of the credit facilities
Details on the total financial commitment, which includes the balance outstanding and the total limit for each of the credit facilities
Conduct of each credit facility for the past 12 months, including legal status
Other relevant information such as Date of Information Update, Frequency of Payment and Type of Collateral.
However, before you get worried about your credit information being abused, please note that the information can only be accessed by authorized persons in the bank, and is not available to the public in general. Your credit report:
Can only be obtained by the bank IF a formal CREDIT application is made by you to that particular bank
Cannot be viewed by other banks, at any time
Does not show your deposit / investment accounts
Does not show from which financial institution you borrowed from
Does not show the tenure of the credit facility enjoyed by you
Does not show the conduct of facilities for periods above one year
Explanation on some of the terms:
OUTSTANDING CREDIT vs APPLICATION FOR CREDIT.
The report is divided into two main areas i.e. the Outstanding Credit, where it displays all your existing credit facilities, and the Application For Credit, which shows all the loan application you made in the past 12 months, whether it was Approved, Pending or Rejected by the bank.
STS
Indicates the status of the credit facility. <O> means Outstanding i.e. on-going facility. Other terms include < > Pending, <A> Approved, <R> Rejected, <S> Settled, <W> Write Off, <C> Rescheduled, <T> Restructured.
CAPACITY
Indicates the capacity the borrowing you took from the bank i.e. as a <Own> own applicant, <SOLE> sole proprietor, <ARTNER> partnership, <JOINT> joint application.
LENDER TYPE
Indicates the type of institution you borrowed from e.g. <OWN> the same bank where you applied for the new loan, <CB> Other commercial banks, <MB> Merchant banks,<FC> Finance companies, etc.
MY/FGN
Indicates whether you are a Malaysian applicant or foreign applicant.
FACILITY
Indicates the type of facility enjoyed with the various banks. Includes <OVRDRAFT> Overdraft, <HLFNPRSR> Housing Loan, <HRPCSCGD> Hire Purchase for scheduled goods, <LEASING> Leasing facilities, <STLNFNCE> Staff Loans, <OTLNFNCE> Other Loans including personal loans, <CRDTCARD> Credit Cards, etc.
TOTAL O/STANDING BALANCE (RM)
Indicates the outstanding loan amount of other credit facilities at date of new loan application.
DATE BALANCE UPDATED
The date where information on existing credit facilities is updated to BNM system.
LIMIT (RM)
The original loan amount approved, or if revolving credit facilities (such as credit cards or overdraft), the limit assigned for the credit facility.
PRIN REPMT TERM
Whether the repayment frequency is Monthly <MTH>, Quarterly <QTR>, Annually <ANN>, Revolving <REV>, or other frequencies.
COL TYPE
Indicates the collateral type used by the bank to secure your credit facility. Includes <00> Clean facilities (no collateral), <10> Properties, <23> Unit Trusts, <30> Motor Vehicles, <60> Plant and Machineries, <70> Financial Guarantees, etc.
CONDUCT OF ACCOUNT FOR LAST 12 MONTHS
Most IMPORTANT part of the report, where the track record of conduct for each credit facilities for the past 12 months are indicated (J=January, F=February…. D=December, based on year).
If it is indicated as “0″ under <J> January, it means your installment for January is up-to-date. If “1″, it means your installment is 1 month in arrears (overdue), “2″ means 2 months installment overdue, “3″ means 3 months overdue and considered delinquent, etc.
If there are too many “2″s and “3″s and/or above, your conduct of credit account may be considered as “poor”, according to each bank’s interpretation.
LGL STS
Indicates the legal action status of your account if it is in default. The bank can know the action taken such as <10> Summon/Writ files, <11> Judgement Order, <12> Bankruptcy, <17> Winding Up order, <18> Auction, <20> Receivership / Section 176, <12> Settled / Discharged, etc.
DATE STATUS UPDATED
Indicates the date of latest update on the legal action status. Useful as some status are not updated on time, especially when you have a discharge letter from the lawyers.
Please note that CCRIS is used by the bank as a TOOL for loan decision making as the existing track records indicates the POTENTIAL risks a bank may face in the future if they approve the new application. It is NOT THE ONLY tool used by banks to evaluate your credit worthiness, as there are many other risk-mitigation criteria the banks can adopt, such as (list not exhaustive):
Reduced Margin of Financing
Higher Financing Rates
Good Potential for Higher Capital Appreciation for the Property
Strong Debt Servicing Ratio (Repayment Capability)
Additional Collaterals / Guarantee / Joint Applicant
Good Conduct of Other Existing Credit Facilities with own bank (e.g. Credit Cards, other loans).
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发表于 16-4-2011 09:29 AM
变色卡
千斤顶
楼主
1567 
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