Personal credit institution results in lowering the transaction cost of consumer credit , and provides the commercial banks for developing consumer credit with the institution condition for assessing the borrowers , exerting credit monitor and controlling the risk of the consumer credit through the sharing mechanism of the personal credit information and the punishing mechanism of it to the defaulter 个人信用制度的作用在于降低消费信贷交易成本，并通过个人信用信息共享机制和对违约者的惩戒机制，为商业银行发展消费信贷提供评估借款人、实施信贷监管和控制消费信贷风险的制度基础。
The person to whom recovery notice is issued must pay over money , if any , not exceeding the amount of tax in default held on account of the defaulter to the inland revenue department within a stipulated time . failure to do so will render the person personally liable for the whole of the tax which he was required to pay 任何人接获追收税款通知书，必须于法定时限内，将因该拖欠税款的纳税人而持有，又不超出有关拖欠税额的金钱（如有的话）交予税务局。如该人士未能照办，则须个人负上他被规定缴付的全部税款的法律责任。
