CCTV news: People's Bank of China Credit Information Center said yesterday (2nd) that by the end of November last year, personal credit information system had basically achieved wide coverage of personal financial credit information; , The inspection plan of the credit reporting agency to ensure the security of personal credit reporting information.
The personal credit information system is connected to 3,693 various lending institutions
According to reports, as of the end of November 2019, the personal credit information system has been connected to a total of 3,693 various lending institutions, which has basically achieved wide coverage of personal financial credit information. The information in the credit information system is also mainly used by lending institutions to assess the credit risk of borrowers, and is widely used in the whole process of pre-lending, lending, and post-lending. Since the
credit information system officially provided services to the outside world, the number of personal inquiries on personal credit reports has increased year by year. From January to November 2019, there were a total of 84.826 million personal inquiries on personal credit reports.
Wang Xiaolei, deputy director of the Credit Information Center of the People's Bank of China: The number of personal credit report inquiries is still on the rise. More and more people realize the importance of their own credit, and the number of inquiries will continue to rise in the future.
However, the Credit Information Center of the People's Bank of China has noticed that some big data companies or financial technology companies have illegally inquired about personal information by defrauding or stealing personal user passwords.
Wang Xiaoqing, a fourth-level researcher at the Supervision Department of the People’s Bank of China’s Credit Bureau: some are for routine loans or provide services for collection companies. This category is actually suspected of violating citizens’ personal information and should be severely cracked down on . The People's Bank of China is currently cooperating with the public security department to determine whether such institutions are illegally engaged in personal credit investigation business and whether they are suspected of illegal business operations.
Develop an inspection plan to ensure the security of credit information
According to reports, the local credit management departments of the People's Bank of China are increasing their compliance inspections on commercial banks and credit agencies.
Wang Xiaoqing, a fourth-level investigator of the Supervision Department of the People's Bank of China Credit Bureau: The People's Bank of China is also formulating relevant work plans to formulate relevant inspection plans for commercial banks and credit bureaus.