金融机构将须上报个人信用信息（Financial institutions will be required to report personal credit information）.docVIP

金融机构将须上报个人信用信息（Financial institutions will be required to report personal credit information） Yesterday, the peoples Bank of China formally personal credit information database management (tentative) to solicit publicviews. It is reported that the central bank will be responsible for the organization of financial institutions to establish personal credit information database (referred to as the personal credit database), and the establishment of the credit service center is responsible for the daily operation and management. The provisions of the interim measures, financial institutions should be accurate, complete and timely submit to the personal credit database of personal credit information. Personal credit database can be objective sorting, personal credit information submitted by financial institutions to save, but shall not arbitrarily change the original data. The database for the financial institutions in handling audit application, audit of personal credit personal credit card, quasi credit card application, whether or not to accept the audit as a guarantor, loans on the issuance of individual credit and enterprise credit risk management after the audit application provides the basis for the inquiry of its legal representative credit status. Financial institutions shall establish and keep query authorization query evidence system. Since each query query evidence should be accepted by the date of the request, at least 2 years. According to the provisions of the personal credit information, including basic personal information, personal credit transaction information and other information to reflect the individual credit situation. The basic personal information refers to the identity information of a natural person, occupation and residential address information. Personal credit transaction information refers to a natural person provided by financial institutions in the form of personal loans, credit card, debit card, credit guarantees and other activities