采写：南都记者 唐国轩 通讯员 倪佩敏 南都记者从中国人民银行东莞市分行获悉，根据工作需要，自2025年7月21日起，中国人民银行东莞市 分行征信服务网点整体迁至莞城街道可园南路1号金源中心中国人民银行东莞市分行办公大楼二楼，原 位于南城街道莞太路111号众创金融街2号楼的征信服务网点不再办理相关业务。 据悉，目前东莞各镇街有53家商业银行信用报告自助查询代理点对外提供个人或企业信用报告查询服 务，可通过微信小程序搜索"广东征信预约"查看、预约最近网点办理。查询个人信用报告还可登录中国 人民银行征信中心官网，或使用个人手机银行APP、云闪付APP、个人网上银行线上办理；查询企业信 用报告可使用企业手机银行APP、企业网上银行线上办理，还可前往工商银行、建设银行、邮储银行、 招商银行在莞的任一网点使用智慧柜员机办理。 此外，港澳台居民自助查询个人信用报告，可前往东莞市民服务中心、东莞银行中心区支行、东莞银行 虎门支行、中国人民银行东莞市分行自助办理。 在人工柜台查询个人或企业信用报告方面，市民可前往东莞市民服务中心、中国人民银行东莞市分行办 理。适用于使用临时/消磁身份证、外国人护照等特殊证件查询、代理查询、亲 ...

Core Viewpoint - The recent notification from the National Development and Reform Commission aims to reduce credit service fees, effective from July 1, 2025, to lower operational costs for businesses, optimize the business environment, and promote the development of the real economy and social credit system [1][4]. Group 1: Fee Reduction Details - The service fee for querying corporate credit reports will decrease from 20 yuan to 9 yuan, while the fee for personal credit reports will drop from 2 yuan to 1 yuan [4]. - Various financial institutions, including rural commercial banks and consumer finance companies, will continue to enjoy preferential fee standards, with personal internet queries remaining free [4]. - The annual fee for accounts receivable pledge registration will be reduced from 30 yuan to 15 yuan, and the fees for change and dispute registrations will decrease from 10 yuan to 5 yuan [4]. Group 2: Impact on Financial Institutions - The reduction in credit service costs is expected to save users approximately 1.1 billion yuan annually [2]. - Lowering credit costs will alleviate the operational burden on banks, facilitating financing for the real economy, and will also reduce the financial burden on individuals seeking credit information [4]. - The adjustment is particularly beneficial for small financial institutions, as they often face higher credit costs due to the volume of small transactions [4]. Group 3: Broader Financial Context - In the context of increasing pressure on bank interest margins, reducing non-interest costs like credit service fees is crucial for lowering overall financing costs in society [6][7]. - The People's Bank of China has made significant progress in building a comprehensive credit information system, which is now the largest in the world in terms of population coverage and data collection [7]. - The dual approach of "government + market" in developing the credit system aims to enhance service quality and efficiency, thereby improving the matching of financial resources with real demand [7]. Group 4: Potential Issues - The reduction in query costs may lead to excessive information queries, raising concerns about consumer rights and the need for transparency in the querying process [8]. - A robust social credit system is essential for the stable development of consumer finance, and there are suggestions to grant consumer finance companies access to the same data as banks to improve their service capabilities [8].

Core Viewpoint - The article discusses the significant reduction in credit service fees as mandated by the National Development and Reform Commission, aimed at lowering business operating costs and optimizing the business environment, effective from July 1, 2025 [1][2][3]. Summary by Sections Fee Reductions - The standard service fee for commercial banks querying corporate credit reports will decrease from 20 yuan to 9 yuan, while personal credit report fees will drop from 2 yuan to 1 yuan [1][2]. - The fee for accounts receivable pledge registration will be reduced from 30 yuan to 15 yuan per year, and the fees for change registration and dispute registration will be lowered from 10 yuan to 5 yuan per instance [1][3]. - Rural commercial banks and ten other types of financial institutions will continue to enjoy preferential fee standards for querying credit reports [1][2]. Cost Savings - The fee reductions are expected to save users approximately 1.1 billion yuan annually [1]. Personal Queries - Individuals can query their credit reports online for free, and the first two queries at a physical counter are also free; subsequent queries will cost 5 yuan each [1][3]. Compliance and Reporting - The credit center is required to strictly adhere to the new fee standards and must report its financial status and fee implementation to the National Development and Reform Commission annually [3].