The credit evaluation mentioned in the preceding paragraph refers to the credit evaluation service provided by the society. Article 3 The provincial people's government shall set up a comprehensive supervision and management institution for credit activities (hereinafter referred to as the comprehensive supervision institution for credit), which shall be responsible for the supervision and management of credit investigation and credit evaluation activities in the whole province. The departments determined by the people's governments of cities, counties and autonomous counties shall be responsible for the supervision and management of credit investigation and credit evaluation activities within their respective administrative areas.
The relevant government departments shall, according to their respective responsibilities, supervise and manage the relevant credit service activities. Article 4 Credit investigation and credit evaluation activities shall follow the principles of legality, objectivity and fairness. Article 5 When collecting, providing and disclosing credit information of enterprises and individuals, state secrets and business secrets shall not be disclosed, personal privacy shall be respected, and the information shall be true and accurate. Article 6 Public credit information shall be made public according to law to promote social sharing of credit information resources. Article 7 Credit service industry organizations are encouraged to formulate and implement industry norms, provide business guidance and services to their members, and practice industry self-discipline. Article 8 Administrative organs shall take measures to encourage those who keep their promises and punish those who break their promises. Chapter II Credit Investigation Article 9 A public credit investigation agency in Hainan Province (hereinafter referred to as the public credit investigation agency) shall be established to collect public credit information, establish a provincial-level public credit information basic database and public credit information system covering individuals and enterprises, realize information interconnection and sharing between state organs and relevant organizations, and provide information inquiry services for the society. Article 10 The credit information of individuals and enterprises generated by the administrative organs of this province, organizations exercising social management functions and relevant state organs in performing their duties according to law shall be submitted to credit reporting institutions in accordance with relevant regulations, which shall be responsible for sorting out and maintaining it.
Specific measures for the submission, collation, maintenance and use of public credit information shall be formulated by the provincial comprehensive credit supervision institution and submitted to the provincial people's government for approval. Article 11 The provisions of Articles 12 and 15 of this chapter shall not apply to the collection and collation of public credit information by public credit institutions in accordance with the provisions of Articles 9 and 10 of these Provisions.
Public credit institutions shall abide by the provisions of this chapter when collecting personal or enterprise credit information directly from the society. Article 12 A credit reporting agency may collect the following personal credit information with the written consent of the credit reporting individual:
(1) Basic information such as name, gender, date of birth, ID number, residential address, education, occupation and work unit;
(2) Information on assets such as income, savings, tax payment, real estate, securities and motor vehicles;
(3) Information on commercial transactions such as credit and credit purchase between individuals and financial institutions and other commercial institutions;
(4) Service payment information of individuals and public utility service institutions;
(5) Other information reflecting the personal credit status. Thirteenth credit institutions to collect the following credit information, do not need to obtain the consent of the individual under credit:
(1) Personal public record information formed by administrative organs and judicial organs in the process of exercising their functions and powers that can be disclosed according to law;
(2) Personal credit information disclosed according to law. Article 14 A credit reporting agency does not need to obtain the consent of the enterprise under credit reporting to collect the following enterprise credit information:
(1) Basic information such as industrial and commercial registration, tax registration, organization code registration, qualification, qualification identification, trademarks and product identification;
(2) operating financial information such as assets and liabilities, profit and loss, cash flow, etc.;
(3) commercial transaction information such as credit purchase and performance;
(4) Administrative organs, judicial organs, etc. Is formed in the exercise of authority and can be made public according to law;
(5) Other information reflecting the credit status of the enterprise. Fifteenth credit institutions to collect the following enterprise credit information, must obtain the written consent of the credit enterprise:
(a) corporate deposits and loans, tax information that is not disclosed according to law;
(2) Credit information involving business secrets of the enterprise;
(3) Other credit information that can only be collected with the consent of the enterprise as required by laws and regulations. Sixteenth laws and regulations prohibit the collection of credit information, credit institutions shall not collect. Seventeenth credit institutions can collect credit information through the following channels:
(1) Collecting information directly from individuals and enterprises (hereinafter referred to as respondents);
(two) to collect credit information from the units and individuals who have mastered the credit information of the respondent;
(three) collected from the information disclosed according to law;
(four) by other means not prohibited by laws and regulations.
Units and individuals that provide credit information (hereinafter referred to as information providers) shall check whether the credit reporting agency has obtained the written consent of the respondent before providing credit information that should be approved by the respondent.
Credit reporting agencies may pay certain fees or remuneration to information providers in accordance with the agreement. Article 18 A credit reporting agency shall not collect the credit information of the reported person by cheating, stealing, bribing, indulging, coercing or invading the computer network.