Credit investigation 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.
The emergence of credit investigation activities stems 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. The essence of credit is a creditor-debtor relationship, that is, the lender (creditor) believes that the trustee (debtor) has the repayment ability and agrees to the promise of future repayment made by the trustee.
However, when the commodity economy is highly developed and the scope of credit transactions is increasingly extensive, especially when credit transactions spread to the whole country and even the whole world, it will be extremely difficult for one party to know the credit status of the other party. At this time, understanding the credit status of market participants has become a demand, and credit investigation activities have also emerged. It can be seen that credit investigation is actually produced and developed with the emergence and development of commodity economy, and it is a credit information service provided for credit activities.
Credit investigation is an ancient word in China. In Zuo Zhuan, there is a saying that "a gentleman's word is a promise, but it is hard to catch up with it", which means that whether a person keeps his word can be verified. With the development of modern credit information system, individuals engaged in economic activities have an "economic identity card" in addition to their resident identity cards, that is, personal credit reports.
The People's Bank of China organized commercial banks to set up credit information systems for enterprises and individuals, and set up credit files for more than 30,000 enterprises and nearly 600 million natural persons nationwide. In other words, the credit status of these enterprises and individuals engaged in economic and financial activities will be recorded on the "economic identity card" and become a file that will always accompany the enterprise (himself). If loans overdue has any other breach of contract, then the "economic identity card" will be marked with a gray stroke, and you may face more cautious and critical eyes when applying for loans from banks in the future.