A representative from China's Central Bank says that the bank will include mobile phone users' overdue payment behavior in their credit rating system in an effort to help catch potential problems.

Dai Gen, director of the Credit Management Bureau of the Central Bank, says the bank is working actively with China's Ministry of Information Industry to allow mobile phone overdue payments to influence individual users' credit worthiness. A system should be in place within six months.

In the meantime, the central bank is also cooperating with the labor and social insurance departments, to study how to include enterprise quality information, delayed tax payments, social insurance payments, employees' salaries and other indicators into the credit ratings.

Dai says that with the perfection of the credit system, the credit record of any enterprise or individual will be shared across the entire country, and those who have had bad records won't be offered bank loans or other banking services.


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