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מאגר נתוני אשראי - מהו וכיצד הוא יכול להשפיע על דירוג האשראי? - הכסף שלי לדלג לתוכן הכסף שלי » חיסכון » מאגר נתוני אשראי – מהו וכיצד הוא יכול להשפיע על דירוג האשראי?
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מאגר נתוני אשראי הוא בשורה חשובה לכל אזרח וצרכן בישראל ומסייע לו לקבל החלטות טובות יותר לגבי האשראי הנלקח על ידו. המאגר עוזר להבין את דירוג האשראי וניתן למשוך דוחות פיננסיים בחינם.
מה זה, איך עושים זאת ומידע נוסף – הכל כאן בכתבה עבורכם.
מהו מאגר נתוני אשראי? מאגר נתוני אשראי (או מערכת נתוני אשראי) הוא מאגר שבו נמצאים כל הפרטים והמידע על אשראי והתחייבויות שנטלו צרכנים בישראל על ידי הגופים הפיננסיים השונים. מדובר על מאגר בבעלות ממשלתית, ליתר דיוק של בנק ישראל, הוא הוקם נקבע לפי חוק נתוני אשראי והוקם בפועל בחודש אפריל 2019.
אחת הבעיות שהיו לפני מאגר נתוני אשראי הוא שרק לתאגיד הבנקאי (בנק) היה מידע פיננסי לגבי הלקוח שלו. רק הבנק הזה ידע מה המצב הפיננסי שלו, כמה כסף הוא מקבל הכנסות ושכר, מהם ההתחייבויות שלו, כל ההלוואות והאשראי שהוא נטל. דבר זה גרם לכך שלבנק יש כוח עצום ומשמעותי והוא יכול לקבוע ריבית שאינה הוגנת ואינה תחרותית כלפי אותו הלקוח.
עם הקמת מאגר נתוני אשראי (קרדיט דאטה), כל המידע הפיננסי של אותו צרכן נשלח אל המאגר שהוא בפיקוח בנק ישראל. מעכשיו, כאשר הלקוח ירצה לבקש אשראי, הוא יוכל לפנות לכל גוף פיננסי מפוקח על פי חוק כמו למשל נותן שירותי אשראי ואותו גוף יכול לראות את המידע של הצרכן כדי להציע לו ריבית טובה ומתאימה יותר.
למעשה, השקיפות הזו של המידע פותחת תחרות חדשה בשוק האשראי בישראל והתלות בתאגידים בנקאיים קטנה יותר ויותר.
איך זה עובד? כאשר צרכן מעוניין לקבל אשראי הוא יכול לפנות לכל גוף פיננסי שנותן אשראי שמכיר אותו כמו הבנק שלו, חברת האשראי, או נותן אשראי אחר שלא בהכרח מכיר אותו כמו נותן שירותי אשראי, חברת אשראי אחרת או בנק אחר.
אותו נותן שירותי אשראי צריך לקבל מידע של הלקוח כדי לבחון באילו תנאים יוכל לתת לו אשראי, אם בכלל הוא יוכל לתת זאת. לצורך כך הוא צריך לבקש מידע כמו עובר ושב, תלושי שכר או אפילו לעשות שימוש במערכת נתוני אשראי כדי להבין טוב יותר את ההתנהלות הפיננסית של הצרכן.
נותן השירותים הזה צריך לפנות ללשכת נתוני אשראי לאחר שקיבל את הסכמת הלקוח ואז יוכל לבקש לקבל דוח על הלקוח. לאחר קבלת הדוח, נותן שירותי אשראי קובע מהם התנאים של אשראי שהוא יכול לתת לאותו צרכן.
מידע של מי מופיע במערכת? מאגר נתוני אשראי אוסף מידע על כל צרכן בישראל החל מגיל 18 שיש עליו מידע בעניין נתוני אשראי. גם מידע של עצמאי שהוא עוסק פטור או מורשה.
מאיפה המידע מגיע וממתי הוא נאסף? המידע אל מערכת נתוני אשראי מגיע ישירות מכל הגופים בישראל שיש להם מידע של נתוני אשראי לגבי אותו צרכן. מבין הגופים הללו הם:
בנקים, חברות אשראי – החל מחודש מאי 2016. הוצאה לפועל, כונס הנכסים הרשמי, בנק ישראל – החל מחודש אוגוסט 2018. נותני שירותי אשראי אחרים – אפריל 2019. חברת החשמל – טרם נקבע. המערכת לא מקבלת מידע של הגופים המוסדיים כמו חברות הביטוח, חברות פנסיה וקופות גמל וכד'.
למי יש גישה למידע האישי? לכל צרכן יש גישה למידע האישי שנצבר לגביו במערכת. לאף גורם אחר אין גישה למידע האישי, אבל אם צרכן ביקש לקבל אשראי, אז נותן האשראי יכול לפנות ללשכת נתוני אשראי כדי לקבל מידע על הצרכן.
כלומר, גם ללשכת נתוני אשראי יש גישה למידע, אבל.. בתנאי שהצרכן הסכים להעניק את הגישה הזו.
מה מופיע במערכת / מאגר נתוני אשראי? מערכת נתוני אשראי כוללת את כל המידע בעניין האשראי של כל צרכן בישראל. כלומר:
נתוני אשראי – מסגרות אשראי, בקשות לקבלת אשראי, תשלומים והתחייבויות, הלוואות, מידע על צ'קים של הצרכן ועוד.מידע מגופים ממשלתיים – כל מידע פיננסי שהתקבל מגוף ממשלתי כמו מידע של כונס הנכסים הרשמי, הוצאה לפועל (רשות האכיפה והגבייה), צ'קים ללא כיסוי של בנק ישראל ועוד.מידע כללי – בקשות של הלקוח לקבלת דוחות, בקשות של לשכות אשראי ועוד.אילו דוחות ניתן לקבל במערכת? ניתן לקבל את הדוחות הבאים:
דוח ריכוז נתונים – זהו דוח שמרכז את כל המידע הקיים של צרכן מסויים. דוחו חלקיים – ניתן לקבל גם דוח ספציפי וחלקי מתוך דוח ריכוז נתונים כמו תמצית נתוני לקוח, חשבונות עובר ושב ועסקאות, מידע מגופים וכד'. כדי לקבל את הדוחות הללו, צריך להירשם אל המערכת ולהיכנס אליה.
מהו דירוג אשראי? דירוג אשראי הוא שיטה לפיה מוערכת היכולת הפיננסית של הלקוח בהחזר ההתחייבויות שלו במועד. הדירוג נעשה על ידי לשכת נתוני אשראי על בסיס המידע שמופיע במערכת נתוני אשראי.
לפי דירוג האשראי, הלשכה מעניקה דוח אשראי לנותן שירותי אשראי, מה שעוזר לאותו גורם לקבוע האם כדאי להעניק אשראי ללקוח.
מחירון הדוחות של מאגר נתוני אשראי שם הדוח משלוח בדואר אלקטרוני משלוח בדואר דוח ריכוז נתונים ראשון בשנה (בין ה-1.1 עד ה-31.12) חינם חינם דוח ריכוז נתונים נוסף (דוח שאינו הראשון באותה שנה) 31 ש"ח 41 ש"ח דוח תמצית נתוני לקוח 10 ש"ח 20 ש"ח דוח חשבונות עובר ושב ועסקאות פעילות 10 ש"ח 20 ש"ח דוח מידע שהתקבל מרשויות ומגופים ציבוריים 10 ש"ח 20 ש"ח דוח פניות לקבלת מידע על הלקוח 10 ש"ח 20 ש"ח דוח פעולות מנהלי חינם חינם אחזור דוח 10 ש"ח 20 ש"ח
כדי לקבל ולברר מידע, ניתן להיכנס לאתר המערכת בקישור זה .
מנוע חיפוש מתקדם
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