Credit investigation is a Chinese vocabulary, which 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 carry out credit management activities.
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.
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 law or regulation in the current legal system of our country to provide a direct basis for credit investigation business activities.
2065 438+02 2065 438+02 Premier the State Council presided over the the State Council executive meeting, which deliberated and passed the draft regulations on the management of credit reporting industry. 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 promoting the formation of a social environment in which honest people benefit and faithless people are punished. China's credit information industry has grown from scratch, and its role has become increasingly apparent, and the credit information market has begun to take shape.
The draft Regulation on the Administration of Credit Information Industry regulates the collection, collation, preservation, processing and provision of personal or enterprise credit information to information users. The draft stipulates that the People's Bank of China and its dispatched offices shall supervise and manage the credit reporting industry according to law. The draft stipulates stricter market access conditions and corresponding examination and approval procedures for credit reporting agencies engaged in personal credit reporting business, defines the scope and code of conduct for credit reporting agencies to collect, save and provide credit information, and clarifies the rights of information subjects.
Article 16 of the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.
During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.
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