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.
Article 18 of the Regulations on Credit Information Management shall obtain the written consent of the information subject and consent to the use of personal information by credit information agencies. However, unless the law stipulates that it can be inquired without consent. Credit institutions shall not provide personal information in violation of the provisions of the preceding paragraph.