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1. Credit investigation refers to collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and conduct credit management activities.
2, from "Zuo Zhuan Zhao Zhuan Gong Eight Years", "A gentleman speaks, believes and signs, so the resentment is far greater than the body." Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.
3.2065438+In May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
4. Credit information records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council promulgated the Regulations on Credit Management (Draft for Comment), and solicited opinions from all walks of life on the Regulations on Credit Management.
5, 201212 On February 26th, Premier Wen Jiabao of the State Council presided over the the State Council executive meeting, which deliberated and passed the Regulations on the Administration of Credit Information Industry (Draft). The meeting pointed out that the credit information industry is an industry that provides credit information services in the market economy. Credit information service can create conditions for preventing credit risks, ensuring transaction safety, and promote the formation of a social environment in which honest people benefit and those who break their promises are punished. China's credit information industry has grown from scratch, its role has become increasingly apparent, and the credit information market has begun to take shape.
6. Credit investigation activities originated from the emergence and development of credit transactions. Credit is a special form of value movement based on repayment, including currency lending and commodity credit sales, such as bank credit and commercial credit. Modern economy is a credit economy, and credit, as a specific economic transaction, is the product of the development of commodity economy to a certain stage.