A credit report estimates the credit worthiness of an individual, a company, or even a country. It is an evaluation made by credit bureaus of a borrower's overall credit history and his or her ability to repay debt. A poor credit rating means a high risk of defaulting on a loan, and thus leads to the refusal of a loan by the lender.

　　Today in China, credit history in banks is the major content of a credit report. But in the future, reports will include information about the payment of telephone bills, water use fees, electricity and natural gas bills, and taxes, according to officials of the People's Bank of China, the central bank.

　　Personal information such as appearance, genetic data, fingerprints, blood type, disease history, ethnic identity, family and religious beliefs are not to be included in credit reports, according to a draft regulation on credit rating issued last year by the Sate Council. The authors of the draft have just finished soliciting(征求) public opinions.

　　The Credit Reference Center run by the People's Bank of China is in charge of developing a nationwide credit database. Credit reports for all people with bank transactions (交易)began in 2006.

　　A personal credit rating is important to the social and economic activities of a person. According to the draft, if you have a personal negative credit record, it will be kept for five years.

　　60. The author took the story as an example in order to ________.

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