Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.
By the end of 20 15, the database had recorded 870 million natural persons, of whom 370 million had credit records.
2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
The Measures for the Administration of Credit Information Business, adopted at the 9th executive meeting of the People's Bank of China on September 30th, 2002/KLOC-0, is hereby promulgated and shall come into force as of June 30th, 2022.
At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.
At present, the personal credit investigation business has further expanded to foreign banks and non-banks and entered a new stage of development in cooperation with institutions such as pawn, guarantee and leasing.
The enterprise credit information system collects all kinds of business credit information of enterprises, including enterprise registration information, annual inspection grade, product compliance information, tax grade information, performance evaluation information of state-owned assets, import and export customs declaration records, credit financing records, industry statistical analysis information, etc.
2065438+April 23, 2007 Wan Cunzhi, director of the Credit Information Bureau of the People's Bank of China, said that, based on comprehensive judgment, none of the eight institutions currently preparing to open personal credit information is qualified, and they cannot issue licenses if they fail to meet the regulatory standards.
2065438+February 22, 2008, official website, the central bank announced that the application for personal credit reporting business of People Credit Information Co., Ltd. has been approved by the central bank, including the approval of the establishment of personal credit reporting institutions and the qualification approval of directors, supervisors and senior managers; The license expires on 202 1 1 3 1.