The credit scoring system now used by banks will be much fairer to customers if it is also based on positive consumer credit data, and not just on negative data.

• 若银行目前所采用的信贷评分制度不单以负面的信贷资料作为依据,更可以正面的个人信贷资料作为补充,这个制度会对客户更为公平。