2. China Industrial and Commercial Bank Pingkang Sub-branch, Address: No.51,Pingkang Road, Panyu District, Guangzhou, Guangdong;
3. Xinhua Sub-branch of Guangzhou Rural Commercial Bank, address:No.1/kloc-0, Commercial Avenue, Xinhua Street, Huadu District, Guangzhou;
4. Guangzhou Rural Commercial Bank Tung Chung Sub-branch, Address: No.2 Jixiang Road, Tung Chung Town, Nansha District, Guangzhou.
The Development Course of Reform and Opening-up of Credit Information Industry
1. Exploration stage: In the late 1980s, in order to adapt to the issuance and management of corporate bonds, the People's Bank of China approved the establishment of the first credit rating company-Shanghai Far East Credit Rating Co., Ltd. At the same time, in order to meet the demand for corporate credit information in foreign-related business dealings, the Computing Center of MOFTEC cooperated with Dunbar Company, an international corporate credit reporting agency, to provide credit reports for Chinese and foreign enterprises. 1993, Xinhua Xin International Information Consulting Co., Ltd., which focuses on corporate credit reporting, began to provide services officially. Since then, a number of professional credit reporting intermediaries have appeared one after another, and the embryonic form of the credit reporting industry has initially appeared.
2. Early stage: 1996, the People's Bank of China implemented the enterprise loan certificate system throughout the country. From 65438 to 0997, Shanghai launched corporate credit rating. With the approval of the People's Bank of China, Shanghai conducted a pilot project of personal credit investigation, and Shanghai Credit Investigation Co., Ltd. was established 1999, and began to engage in personal credit investigation and corporate credit investigation services. At the end of 1999, the bank credit registration and consultation system was put into operation. In 2002, the bank credit registration and consultation system was built into a three-level database of prefecture, province and head office, realizing nationwide online inquiry.
3. Development stage: In 2003, the State Council entrusted the responsibility of "managing the credit reporting industry and promoting the construction of social credit system" to the People's Bank of China, and approved the establishment of the Credit Reporting Administration. In the same year, Shanghai, Beijing, Guangdong and other places took the lead in developing regional social credit information industry. A number of local credit reporting agencies have been established and developed rapidly. Some credit rating agencies have begun to explore new credit service fields such as credit rating in the inter-bank bond market, and internationally renowned credit rating agencies have successively entered the China market. In 2004, the People's Bank of China established a national centralized and unified basic database of personal credit information, and in 2005, the bank credit registration and consultation system was upgraded to a national centralized and unified basic database of enterprise credit information. In 2008, the State Council adjusted the credit management responsibility of the People's Bank of China to "manage the credit industry" and took the lead in setting up an inter-ministerial joint meeting on social credit system. 20 1 1 Add the National Development and Reform Commission as the lead unit. On March 20 13, the Regulations on the Administration of Credit Information Industry was formally implemented, which made it clear that the People's Bank of China was the supervision and management department of credit information industry, and the credit information industry entered the legal track.