A few days ago, the colleague group exploded again. "Submit your credit report by the end of the month; overdue will be considered as failure to fulfill the information reporting obligation." Someone joked, "Salary assessments, KPI assessments, now even credit reports have been turned into grades." No one laughed. Because everyone is clear that the essence of this matter is far more than just 'compliance management.' When the credit report becomes something that must be submitted annually, along with a spouse's report, and credit card limits need to be specified—this is not risk control; this is called 'systematic stripping.' 1. The credit report is no longer just a risk control document. In the logic of some banks, employees' financial behaviors must be transparent to prevent illegal borrowing, benefit transfer, and asset abnormalities. It sounds reasonable, but in practice, it becomes increasingly absurd. The credit report needs to be printed, signed, stamped, scanned, and archived; some branches even require writing a 'credit card purpose explanation' and 'debt source explanation.' If your car loan is high, you need to provide a reason; for installment consumption, you must explain the motivation; if your credit card is delayed by three days, you have to write a 'self-inspection report.' Under the guise of risk control, it has turned into a comprehensive infiltration of the organization into private lives. Banks not only want your performance, time, and energy, but also your credit, your family finances, and even your life choices. Some people sigh, "Working in a bank, even credit reports are no longer yours." 2. The speed of privacy disappearance, from 'understanding' to 'numbness.' The first time everyone was asked to submit their credit report, they whispered, "This is too exaggerated, right?" Later, after many times, even complaints were saved. Every year there are templates, and someone in each group urges: "Attach the spouse's report, scanned signature, and submit them together." You dare not hesitate—too many explanations make you seem guilty; if you submit slowly, you will be told, "Your attitude is not proper." So you learn to adapt: used to sending that credit report screenshot in the group; used to letting others look at your financial records; used to feeling a bit uneasy when handing over that report in the office, yet relieved that "thankfully there were no overdue payments." At that moment, you know—you are no longer a 'private citizen,' but a 'credit sample' being observed by the system. 3. From credit reports to life, the boundaries of control have been quietly breached. Once credit checks can be done, other 'boundaries' become blurred. What was posted in Moments, what was said in groups, whether sensitive content was forwarded—can all be recorded by the system. What banks check is no longer 'risk events,' but 'risk tendencies'; they are not checking what you have done, but speculating on what you might do. The credit report has become a symbol: you must use thorough transparency to exchange for the organization's trust; use self-exposure to prove that you are 'safe and controllable.' The most ironic thing is—that system, which should be used for external risk prevention, has now become an internal control measure to 'prevent employee issues.' The safer the employees, the more at ease the management is; yet, privacy and dignity are being gradually flattened on that piece of paper, like an annual health check, only the doctor has been replaced by your superior. Finally: when the system no longer trusts people, it will require you to submit all evidence to prove your 'innocence.' When the system starts to fear losing control, it will begin with 'transparency.' Today, it is the credit report; tomorrow it may be transaction records, consumption, children's expenditures, or even social profiles. The most powerless thing is—you have no right to refuse. What they are checking is never the credit report, but whether you are still obedient, controllable, and replaceable.
