1, Regulations on the Administration of Credit Information Industry
In order to standardize credit reporting activities, protect the legitimate rights and interests of parties, guide and promote the healthy development of credit reporting industry, and promote the construction of social credit system, the Regulations on the Administration of Credit Reporting Industry are formulated. People's Republic of China (PRC) the State Council was promulgated on 20 13 1 and came into effect on 20 13 15.
2. Measures for the administration of credit reporting institutions
The Measures for the Administration of Credit Information Institutions was adopted at the14th executive meeting of the People's Bank of China on September 3, 2003, and was issued by the People's Bank of China [20 13]No.15. The Measures are divided into general provisions, establishment, alteration and termination of institutions, management of senior staff, supervision and management, and penalties, and the supplementary provisions are 6 chapters and 39 articles, which will be implemented as of February 20th, 20 13.
3. Measures for the Administration of Credit Information Business
The Measures for the Administration of Credit Information Business focuses on the compliance management of the whole process of collection, collation, preservation, processing and information security of credit information, focusing on defining the boundaries of credit information business and strengthening the protection of the rights and interests of information subjects.
Imperfect credit laws and regulations;
Generally speaking, there are two problems in China's personal credit reporting industry: the lack of market-oriented institutions and the imperfection of the legal system related to credit reporting. At present, there are only two market-oriented personal credit reporting agencies in China, while there are more than 100 corporate credit reporting agencies, which are not commensurate with China's huge population and economic scale and cannot meet the needs of the development of personal credit reporting industry.
The small number of individual credit reporting agencies can't meet the demand of many banks for credit reporting and financial data analysis services, which also affects the service ability and quality of banking institutions in inclusive finance and the financial services for agriculture, rural areas and farmers, and restricts the development level of inclusive finance to a certain extent, resulting in the low-and middle-income groups and the three rural groups unable to obtain efficient and high-quality inclusive finance services.
Secondly, the legal system related to credit investigation is not perfect. At present, the main laws and regulations of credit information owners in China are Regulations on the Administration of Credit Information Industry, Measures for the Administration of Credit Information Institutions and Measures for the Administration of Credit Information Business, but there are no specific provisions on corporate governance, internal control and risk management of individual credit information institutions.
Reference to the above content: Baidu Encyclopedia-Regulations on the Administration of Credit Information Industry
Reference to the above contents: Baidu Encyclopedia-Measures for the Administration of Credit Information Agencies