Bank credit registration consulting system is an information management system for enterprises, institutions and other economic organizations that have credit business relations with banks. Mainly used for financial institutions to transmit information (including local and foreign currency loans, bank acceptance bills, letters of credit, letters of guarantee, guarantees, as well as the basic situation, financial status and interest arrears, debt evasion and economic disputes, etc.). ) generated in the process of opening credit business to customers through computer communication network. When transmitted to the database of the People's Bank of China, financial institutions can inquire about the relevant credit status of all customers who have credit business relations with them from the database of the People's Bank of China to prevent bank credit risks.
The operation mode of the bank credit registration consultation system is that the borrower goes to the local branch of the People's Bank of China to go through the basic procedures of establishing a credit registration file, register its basic profile, financial status and other credit contents, and obtain a unified loan card issued by the People's Bank of China; The borrower applies to a financial institution for credit business with a loan card; Financial institutions take the loan card as an important basis for loan review, inquire about the borrower's credit status from the database of the People's Bank of China, and log in all kinds of information and data generated by the borrower in the process of handling credit business according to the unified requirements of the People's Bank of China, and transmit them to the database of the local People's Bank in time through the computer network.
China Bank Credit Registration Consulting System started construction in 1997 and was piloted in 15 city in 1998. 1999 has realized the online submission and inquiry service of credit data in every city, and issued the Measures for the Administration of Bank Credit Registration Consultation (Trial), which standardized the business content and management. In the first half of 200 1, on the basis of urban networking, credit data were concentrated in the database of provincial capitals, and online inquiry within the jurisdiction of provinces, autonomous regions and municipalities directly under the central government was realized in 3 1, and all credit data were concentrated in the central database of the People's Bank of China. By the end of 2002, the nationwide online query was realized, and databases were established in 334 prefecture-level cities (or regions) and 3/kloc-0 provinces, autonomous regions and municipalities directly under the central government.
On May 22, 2009, the bank credit registration and consultation system ceased to be used nationwide, announcing the end of the era of "bank credit registration and consultation system" marked by loan cards. In 2005, the construction of "enterprise credit information system" marked by the first-class database began. Compared with the previous system, the information collected by the system is more and richer in connotation.