中國自2025年起正式開通的「配偶徵信授權查詢系統」，涵蓋人民銀行徵信中心、百行徵信、芝麻信用等多個平台。這個系統的設立，標誌著婚前財務透明化的一個重大制度變革。只要雙方自願並簽署授權協議，就可以合法地獲取對方完整的信用記錄、負債水平以及共同擔保情況。換言之，這套系統讓成年人在進入婚姻前，有機會提前識別潛在的財務風險，避免婚後成為「債務接盤俠」。

通過這個系統，查詢內容包括多個方面。首先是信用記錄，涉及信用卡、消費貸、經營貸、車貸、房貸等各類貸款的還款情況，是否存在逾期、呆賬或被強制執行的紀錄，以及信用評分（如芝麻分、百行分）。其次是負債總額，包括現存未結清的貸款數量、分期總額以及每月還款壓力，同時系統也會揭示是否存在信用卡超限、多頭借貸或高頻借貸等潛在風險。最後，擔保信息同樣被納入查詢範圍，使用者可以得知對方是否為他人貸款做過擔保（尤其是前任或朋友），以及是否存在尚未解除的擔保責任。值得強調的是，這樣的徵信查詢既不違法，也不會傷害感情，反而是成年人對自己和對方負責的最基本行為。

婚姻的本質不僅僅是愛情童話，更是一種財務合夥關係。不談錢的婚姻，很可能成為最大的財務陷阱。尤其是在2025年「舔狗經濟」崩塌、女性債務暴雷的背景下，婚姻已經演變為新一輪的金融博弈場。大量女性債務正湧入婚姻系統，如果不慎，可能成為那個「替她還前任醫美貸的冤種丈夫」。新聞呼籲男性應該正視這一現實：查徵信不是羞辱對方，而是保護自己，是對婚姻負責的一種理性做法。

總而言之，婚姻不應只是情感升華的工具，而應被視為人生投資。查徵信、拒絕背鍋、守好錢包，是男性的底線，也是對自己未來負責的行為。婚姻中的財務透明與風險識別，將幫助個人避免陷入無法承受的負債泥沼，確保雙方在建立家庭前，能以理性和責任感作為基礎。

China’s official launch, starting in 2025, of the “Spousal Credit Authorization Inquiry System,” which integrates platforms such as the People’s Bank of China Credit Center, Baihang Credit, and Zhima Credit. The establishment of this system marks a major institutional reform toward financial transparency in marriage. As long as both parties voluntarily agree and sign the authorization agreement, they can legally obtain each other’s complete credit history, debt levels, and guarantor information. In other words, this system gives adults the chance to identify potential financial risks before entering into marriage, thus preventing them from becoming a “debt scapegoat” afterward.

Through this system, the scope of inquiry covers several key areas. First is credit history, which includes repayment records on credit cards, consumer loans, business loans, car loans, and mortgages, as well as whether there are any delinquencies, bad debts, or enforcement actions. It also provides credit scores such as Zhima Score and Baihang Score. Second is total debt, showing the number of outstanding loans, total installments, and monthly repayment pressure, while also flagging potential risk indicators such as credit card over-limits, multiple borrowing, or frequent borrowing behavior. Finally, guarantor information is also included, allowing users to know whether the other party has acted as a guarantor for someone else’s loan (especially for ex-partners or friends) and whether such liabilities are still unresolved. Importantly, the report emphasizes that checking credit records is neither illegal nor an act that harms feelings; rather, it is the most basic responsibility adults owe themselves and their partners.

The news particularly points out that the essence of marriage is not merely a romantic fairy tale but also a financial partnership. A marriage that avoids discussing money risks becoming the biggest financial trap. Against the backdrop of the collapse of the “simp economy” and the explosion of female debt in 2025, marriage has already evolved into a new financial battleground. With waves of debt being funneled into the marriage system, many men could unknowingly become the “foolish husbands” forced to pay off their wives’ previous cosmetic surgery loans or other liabilities. The report urges men to face this reality squarely: checking credit is not an insult to a partner, but rather self-protection and a rational responsibility toward marriage.

In summary, the report underscores that marriage should not merely serve as an emotional culmination, but also be treated as a life investment. Conducting credit checks, refusing to carry others’ burdens, and safeguarding one’s finances represent the bottom line for men and a way of taking responsibility for their future. By prioritizing financial transparency and risk identification in marriage, individuals can avoid falling into crushing debt traps and ensure that both partners build a family on a foundation of reason and responsibility.