Letters of call are the credit files that have been created by means of an assessment of the record, classification, scoring and credibility of individuals. Credit systems are an objective way of assessing which financial institutions, such as banks and credit card companies, must use in accordance with the law and are an important means of ensuring the security and stability of financial services. However, on the basis of the system of letters of credit, some loan intermediaries obtain information on letters of credit by improper means and then sell loans to consumers on that basis, which involves issues such as leakage of letters and illegal lending。

Where did the letter come from

FROM A CONSUMER ' S POINT OF VIEW, IT IS ASSUMED THAT INFORMATION IS OF PARAMOUNT IMPORTANCE. THE VERY POPULAR P2P-NET LENDING TODAY IS IN ESSENCE A QUESTION OF LENDING TO INDIVIDUALS OR MICRO-ENTERPRISES BY ALLOWING INDIVIDUAL INVESTORS TO INVEST THROUGH INTERNET PLATFORMS. HOWEVER, BECAUSE OF THEIR HIGH RISK AND INADEQUATE REGULATION, MANY BLACK-HEARTED PLATFORMS HAVE USED PERSONAL LETTERS TO MARKET LOANS AND HAVE SOUGHT WAYS TO FORCE BORROWERS TO AUTHORIZE THEM ONLINE, POSING A SERIOUS THREAT TO THE PHYSICAL AND MENTAL HEALTH OF THE POPULATION. IN PARTICULAR, CONSUMERS WHO, FOR VARIOUS REASONS, ARE UNABLE TO REPAY ON TIME MAY BE DEPRIVED OF ALL THEIR PROPERTY BY OUTLAWS BECAUSE THEY ARE OVERPAID ONLINE。

From the point of view of the regulatory body, the issue of leaks in letters also required attention. Banks, credit card companies, etc. are required to use a credit system to protect personal information from disclosure and value consumer trust. In case of problems, regulators must intervene in a timely manner to safeguard consumer rights and curb the development of financial ill-health. At present, the People ' s Bank of China and other institutions have taken measures to strengthen the control of the credit-seeking market, to build a sound system for the protection of personal correspondence, to regulate the practice of letters-receiving, to severely punish offences such as the disclosure of letters and their misuse for disposal, and to safeguard the financial order and the fair environment of society。

In short, letters of call are an important part of guaranteeing financial security and maintaining financial stability. However, in the context of issues such as product abundance and market vicissitudes, consumers should be aware of the security of personal information and try to avoid online disclosure of information; at the same time, regulators should also strengthen financial market regulation, regulate credit-seeking operations, increase accountability for irregularities and create a fair and equitable financial consumption environment for consumers。