How is the collection and use of enterprise information stipulated in the Regulations on Credit Investigation Management?
Encourage the openness and transparency of enterprise credit information, and provide a more relaxed institutional environment for the development of enterprise credit investigation business. Business credit investigation companies can collect enterprise credit information through multiple channels such as information subjects, enterprise counterparties, and industry associations, information disclosed by relevant government departments according to law, judgments and rulings published by people’s courts according to law, and do not need to obtain the consent of enterprises when collecting and providing. The information related to the performance of the duties of the directors, supervisors and senior managers of an enterprise shall be regarded as enterprise information, and the consent of the information subject shall not be obtained when collecting and using the information. Credit investigation institutions shall not collect the enterprise information prohibited by laws and administrative regulations, and shall not infringe on the business secrets of the enterprise.
What administrative duties should the People’s Bank of China perform as the supervision and administration department of credit investigation business under The State Council?
It is clear that the People’s Bank of China and its agencies are the supervision and management departments of the credit investigation industry, and perform the supervision and management duties of the credit investigation industry and financial credit information basic database operators according to law:
1. Formulate rules and regulations for the management of credit investigation industry;
2. Manage the entry and exit of credit investigation institutions, examine and approve institutions engaged in personal credit investigation business, accept the record of credit investigation institutions engaged in enterprise credit investigation business, and regularly announce the list of credit investigation institutions to the public;
3. Routine management of credit investigation business activities;
4. Inspect the information submitted by credit agencies, financial credit information basic database operators and financial information basic database, and punish illegal acts;
5. Handle lawsuits filed by the information subject.
How does the introduction of relevant credit laws and policies promote the construction of social credit system?
Credit investigation industry is an important part of the construction of social credit system, and the development of credit investigation industry is an important way and means to accelerate the construction of social credit system. The purpose of the construction of social credit system is to form an honest and trustworthy credit atmosphere and environment. It is conducive to standardize the development of the credit investigation industry, provide good credit investigation services, form a credit incentive and restraint mechanism, restrict the credit behavior of social economic subjects, promote the formation of a trustworthy and shameful atmosphere in the whole society, and lay a legal foundation for promoting the construction of a social credit system.
Post time: Nov-20-2023