List of credit reporting agencies for the record

Regulations on the administration of credit recovery?

Chapter I General Provisions

first

These Regulations are formulated in order to standardize the credit investigation activities, protect the legitimate rights and interests of the parties, guide and promote the healthy development of the credit investigation industry and promote the construction of the social credit system.

second

These Regulations shall apply to the credit investigation business and related activities in China. The term "credit business" as mentioned in these Regulations refers to the activities of collecting, sorting, saving and processing the credit information of enterprises, institutions and other organizations (hereinafter referred to as enterprises) and individuals, and providing them to information users. The provisions of Chapter V of these Regulations shall apply to the collection, collation, preservation, processing and provision of information in the basic database of financial credit information established by the state. These Regulations do not apply to the collection, collation, preservation, processing and publication of enterprise and personal information by state organs and organizations authorized by laws and regulations to manage public affairs in accordance with laws, administrative regulations and the provisions of the State Council.

essay

Engaged in credit business and related activities, should abide by laws and regulations, honest and trustworthy, and shall not endanger state secrets, business secrets and personal privacy.

Article 4

The People's Bank of China (hereinafter referred to as the supervision and administration department of credit information industry in the State Council) and its dispatched offices shall supervise and administer the credit information industry according to law. The local people's governments at or above the county level and the relevant departments of the State Council should promote the construction of social credit system in their own regions and industries, cultivate the credit information market and promote the development of the credit information industry.

Chapter II Credit Information Agency

Article 5

The term "credit reporting institutions" as mentioned in these Regulations refers to institutions established according to law and mainly engaged in credit reporting business.

Article 6

The establishment of a credit reporting agency engaged in personal credit reporting business shall meet the company establishment conditions and the following conditions stipulated in the Company Law of People's Republic of China (PRC), and be approved by the credit reporting supervision and management department of the State Council: (1) The major shareholders have a good reputation and have no record of major violations of laws and regulations in the last three years; (2) Its registered capital is not less than 50 million yuan; (3) Having facilities, equipment, systems and information security measures that meet the requirements of the supervision and administration department of credit reporting industry in the State Council; (4) The directors, supervisors and senior managers to be appointed meet the post-holding requirements as stipulated in Article 8 of these Regulations; (5) Other prudential conditions as stipulated by the supervision and administration department of credit information industry in the State Council.

Article 7

To apply for the establishment of a credit reporting agency engaged in personal credit reporting business, it shall submit an application to the supervision and administration department of the State Council credit reporting industry and the materials proving that it meets the conditions stipulated in Article 6 of these regulations. The supervision and administration department of the State Council credit information industry shall conduct a review according to law, and make a decision of approval or disapproval within 60 days from the date of accepting the application. If it decides to approve, it will issue a personal credit information business license; If it is not approved, it shall explain the reasons in writing. A credit reporting agency established upon approval to engage in personal credit reporting business shall register with the company registration authority with a business license for personal credit reporting business. Without the approval of the supervision and administration department of the State Council credit information industry, no unit or individual may engage in personal credit information business.

Article 8

Directors, supervisors and senior managers of credit reporting institutions engaged in personal credit reporting business shall be familiar with the relevant laws and regulations on credit reporting business, have the experience and management ability of credit reporting industry required to perform their duties, have no record of major violations of laws and regulations in the last three years, and have obtained the post qualifications approved by the supervision and administration department of credit reporting industry in the State Council.

Article 9

The establishment of branches, merger or division, change of registered capital, change of shareholders whose capital contribution accounts for more than 5% of the company's total capital or whose shares account for more than 5% of the company's shares shall be approved by the supervision and administration department of the State Council Credit Information Industry. If the name of the credit reporting agency that operates the personal credit reporting business changes, it shall be filed with the supervision and administration department of the State Council credit reporting industry.

Article 10

The establishment of a credit reporting agency engaged in enterprise credit reporting business shall meet the conditions stipulated in the Company Law of People's Republic of China (PRC), and shall, within 30 days from the date of approval and registration by the company registration authority, handle the filing with the agency dispatched by the supervision and administration department of credit reporting industry in the State Council, and provide the following materials: (1) Business license; (2) Description of the ownership structure and organization; (3) Basic information on business scope, business rules and business system; (4) Information security and risk prevention measures. Where the record items are changed, the original record-keeping institution shall handle the change record within 30 days from the date of change.

Article 11

Credit institutions shall, in accordance with the provisions of the supervision and administration department of credit information industry in the State Council, report the credit information business of the previous year. The supervision and administration department of the State Council credit information industry shall announce to the public the list of credit information institutions engaged in personal credit information business and enterprise credit information business, and update it in time.

Article 12

If a credit reporting agency is dissolved or declared bankrupt according to law, it shall report to the supervision and administration department of credit reporting industry in the State Council, and handle the information base in the following ways: (1) Agree with other credit reporting agencies and transfer them to other credit reporting agencies with the consent of the supervision and administration department of credit reporting industry in the State Council; (two) in accordance with the provisions of the preceding paragraph can not be transferred, transferred to the the State Council credit supervision and management departments designated credit institutions; (three) can not be transferred or handed over in accordance with the provisions of the preceding two paragraphs, destroyed under the supervision of the supervision and administration department of the State Council credit industry. Where a credit reporting agency that operates personal credit reporting business is dissolved or declared bankrupt according to law, it shall also make an announcement in the media designated by the credit reporting supervision and management department of the State Council, and submit the personal credit reporting business license to the credit reporting supervision and management department of the State Council for cancellation.

Chapter III Rules for Credit Information Business

Article 13

Personal information shall be collected with the consent of the subject of information, and shall not be collected without its consent. However, information disclosed in accordance with laws and administrative regulations is excluded. Information related to the performance of duties by directors, supervisors and senior managers of an enterprise shall not be regarded as personal information.

Article 14

It is forbidden for credit reporting agencies to collect personal religious beliefs, genes, fingerprints, blood types, diseases and medical history information and other personal information prohibited by laws and administrative regulations. Credit institutions shall not collect information such as personal income, deposits, securities, commercial insurance, real estate and tax payment. However, unless the credit reporting agency explicitly informs the information subject of the possible adverse consequences of providing information and obtains its written consent.

Article 15

Information providers who provide personal bad information to credit reporting agencies shall inform the information subject himself in advance. However, bad information disclosed in accordance with laws and administrative regulations is excluded.

Article 16

The retention period of personal bad information by credit reporting 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.

Article 17

Information subjects can inquire their own information from credit reporting agencies. The subject of personal information has the right to get my credit report twice a year for free.

Article 18

When inquiring about personal information from a credit reporting agency, it shall obtain the written consent of the information subject and agree to use it. 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.

Article 19

If a credit reporting agency, information provider or information user obtains the consent of the subject of personal information by using the terms of the standard contract, it shall make a prompt enough to attract the attention of the subject of information in the contract and make a clear explanation according to the requirements of the subject of information.

Article 20

Information users shall use personal information in accordance with the purposes agreed with the subject of personal information, and shall not use it for purposes other than those agreed upon, and shall not provide it to a third party without the consent of the subject of personal information.

Article 21

Credit information agencies can collect enterprise information through information subjects, corporate counterparties, industry associations, information disclosed by relevant government departments according to law, and judgments and rulings published by people's courts according to law. Credit institutions shall not collect enterprise information prohibited by laws and administrative regulations.

Article 22

Credit institutions shall, in accordance with the provisions of the supervision and administration department of credit information industry in the State Council, establish, improve and strictly implement the rules and regulations to ensure information security, and take effective technical measures to ensure information security. A credit reporting agency engaged in personal credit reporting business shall clarify the authority and procedures for its staff to inquire about personal information, register the staff to inquire about personal information, and truthfully record the staff's name, inquiry time, content and purpose. Staff members shall not query information in violation of the prescribed authority and procedures, and shall not disclose the information obtained in their work.

Article 23

Credit institutions should take reasonable measures to ensure the accuracy of the information they provide. The information provided by credit reporting agencies is for information users' reference only.

Article 24

The collation, preservation and processing of information collected by credit reporting agencies in China shall be carried out in China. When providing information to overseas organizations or individuals, credit reporting agencies shall abide by laws, administrative regulations and the relevant provisions of the supervision and administration department of credit reporting industry in the State Council.

Chapter IV Objections and Complaints

Article 25

If the information subject thinks that the information collected, saved and provided by the credit reporting agency is wrong or omitted, it has the right to raise an objection to the credit reporting agency or the information provider and ask for correction. Credit institutions or information providers that have received objections shall mark the relevant information with objections in accordance with the provisions of the supervision and administration department of credit reporting industry in the State Council, check and handle it within 20 days from the date of receiving the objections, and give a written reply to the dissidents. After verification, it is confirmed that the relevant information is indeed wrong or omitted, and the information provider and the credit reporting agency shall correct it; If it is confirmed that there is no mistake or omission, the objection mark shall be cancelled; If it cannot be confirmed after verification, the verification and objection shall be recorded.

Article 26

If the information subject thinks that the credit reporting agency, information provider or information user has infringed upon their legitimate rights and interests, they may complain to the dispatched office of the supervision and administration department of credit reporting industry in the State Council. The institution accepting the complaint shall promptly verify and handle it, and give a written reply to the complainant within 30 days from the date of acceptance. If the information subject thinks that the credit reporting agency, information provider or information user has infringed upon their legitimate rights and interests, they may directly bring a lawsuit to the people's court.

Chapter V Basic Database of Financial Credit Information

Article 27

The state establishes a basic database of financial credit information to provide relevant information services for preventing financial risks and promoting the development of the financial industry. The basic database of financial credit information is constructed, operated and maintained by professional operating institutions. This operating institution is not for profit, and it is supervised and managed by the supervision and management department of the State Council Credit Information Industry.

Article 28

The basic database of financial credit information receives credit information provided by institutions engaged in credit business according to regulations. The basic database of financial credit information provides inquiry service for the information subject and the information user with the written consent of the information subject. State organs can inquire about the information in the basic database of financial credit information according to law.

Article 29

Institutions engaged in credit business shall provide credit information to the basic database of financial credit information in accordance with regulations. Institutions engaged in credit business shall obtain the written consent of the information subject in advance to provide credit information to the basic database of financial credit information or other subjects, and the provisions of these Regulations on information providers shall apply.

Article 30

Financial institutions that are not engaged in credit business provide and query credit information to the basic database of financial credit information, and the specific measures for the basic database of financial credit information to receive the credit information provided by it shall be formulated by the supervision and administration department of credit information industry in the State Council in conjunction with the relevant financial supervision and administration institutions in the State Council.

Article 31

The operating institution of the basic database of financial credit information may charge the inquiry service fee according to the principle of cost compensation, and the charging standard shall be stipulated by the competent price department of the State Council.

Article 32

Article 14, Article 16, Article 17, Article 18, Article 22, Article 23, Article 24, Article 25 and Article 26 of these Regulations are applicable to the financial credit information basic database operating institutions.

Chapter VI Supervision and Administration

Article 33

The supervision and administration department of the State Council credit information industry and its dispatched offices shall, in accordance with laws, administrative regulations and the provisions of the State Council, perform their duties of supervision and administration of the credit information industry and the operating institutions of the basic database of financial credit information. The following supervision and inspection measures can be taken: (1) Entering the credit reporting institutions and the operating institutions of the basic financial credit information database to conduct on-site inspections, and checking the compliance of the institutions providing or inquiring information to the basic financial credit information database with the relevant provisions of these Regulations; (two) ask the parties and the units and individuals related to the investigated events, and ask them to explain the matters related to the investigated events; (three) to consult and copy the documents and materials related to the incident under investigation, and to seal up the documents and materials that may be transferred, destroyed, concealed or tampered with; (four) check the relevant information system. When conducting on-site inspection or investigation, there shall be no less than 2 persons, and they shall show their legal certificates and notices of inspection and investigation. Units and individuals under inspection and investigation shall cooperate and truthfully provide relevant documents and materials, and shall not conceal, refuse or hinder them.

Article 34

In case of major information leakage and other events in the credit reporting institutions engaged in personal credit reporting business, the basic database of financial credit information, and the institutions providing or inquiring information to the basic database of financial credit information, the supervision and administration department of the State Council credit reporting industry may take necessary measures such as temporarily taking over relevant information systems to avoid damage expansion.

Article 35

The staff of the supervision and administration department of credit information industry in the State Council and its dispatched offices shall keep confidential the information of state secrets and information subjects they know in their work.

Chapter VII Legal Liability

Article 36

Without the approval of the supervision and administration department of the State Council credit information industry, those who set up credit information agencies or engage in personal credit information business activities without authorization shall be banned by the supervision and administration department of the State Council credit information industry, their illegal income shall be confiscated and they shall be fined not less than 50,000 yuan but not more than 500,000 yuan; If a crime is constituted, criminal responsibility shall be investigated according to law.

Article 37

Credit institutions operating personal credit information business violate the provisions of Article 9 of these regulations, and the supervision and administration department of the State Council credit information industry shall order them to make corrections within a time limit, and impose a fine of 20,000 yuan or more and 200,000 yuan or less on the unit; Give a warning to the directly responsible person in charge and other directly responsible personnel, and impose a fine of 6,543,800 yuan or less. If the credit reporting agency that operates the enterprise credit reporting business fails to handle the filing in accordance with the provisions of Article 10 of these regulations, the agency dispatched by the local credit reporting supervision and management department of the State Council shall order it to make corrections within a time limit; Those who fail to make corrections within the time limit shall be punished in accordance with the provisions of the preceding paragraph.

Article 38

Credit institutions and financial credit information basic database operators who violate the provisions of this Ordinance and commit any of the following acts shall be ordered by the credit supervision and administration department of the State Council or its dispatched office to make corrections within a time limit and impose a fine of 50,000 yuan or more and 500,000 yuan or less on the unit; Impose a fine of 654.38 million yuan to 654.38 million yuan on the directly responsible person in charge and other directly responsible personnel; If there are illegal gains, the illegal gains shall be confiscated. If losses are caused to the information subject, it shall bear civil liability according to law; If the case constitutes a crime, criminal responsibility shall be investigated according to law: (1) stealing or otherwise illegally obtaining information; (2) Collecting prohibited personal information or collecting personal information without consent; (3) illegally providing or selling information; (4) leaking information due to negligence; (5) Failing to delete personal bad information within the time limit; (six) failing to check and deal with the objection information in accordance with the provisions; (seven) refusing or obstructing the inspection and investigation by the supervision and administration department of the State Council credit information industry or its dispatched offices or failing to provide relevant documents and materials truthfully; (eight) other acts that violate the rules of credit reporting business and infringe upon the legitimate rights and interests of information subjects. If a credit reporting agency engaged in personal credit reporting has one of the acts listed in the preceding paragraph, and the circumstances are serious or cause serious consequences, the supervision and administration department of the State Council credit reporting industry shall revoke its personal credit reporting business license.

Article 39

In violation of the provisions of these regulations, the credit reporting agency fails to report its credit business in the previous year, and the credit supervision and administration department of the State Council or its dispatched office shall order it to make corrections within a time limit; If no correction is made within the time limit, the unit shall be fined between 20,000 yuan and 654.38+10,000 yuan; Give a warning to the directly responsible person in charge and other directly responsible personnel, and impose a fine of 6,543,800 yuan or less.

Article 40

Institutions that provide or query information to the basic database of financial credit information, in violation of the provisions of this Ordinance, have one of the following acts, and shall be ordered to make corrections within a time limit by the supervision and administration department of the State Council Credit Information Industry or its dispatched office, and impose a fine of not less than 50,000 yuan but not more than 500,000 yuan on the unit; Impose a fine of 654.38 million yuan to 654.38 million yuan on the directly responsible person in charge and other directly responsible personnel; If there are illegal gains, the illegal gains shall be confiscated. If losses are caused to the information subject, it shall bear civil liability according to law; If the case constitutes a crime, criminal responsibility shall be investigated according to law: (1) illegally providing or selling information; (2) leaking information due to negligence; (3) Inquiring about personal information or enterprise credit information without consent; (4) Failing to handle objections in accordance with regulations or failing to correct the information that is really wrong or omitted; (five) refusing or obstructing the inspection and investigation by the supervision and administration department of the State Council credit information industry or its dispatched offices, or failing to provide relevant documents and materials truthfully.

Article 41

If an information provider, in violation of the provisions of this Ordinance, fails to inform the information subject himself in advance, and provides personal bad information that has not been disclosed according to law to the credit reporting agency and the basic database of financial credit information, if the circumstances are serious or cause serious consequences, the credit reporting supervision and management department of the State Council or its dispatched office shall impose a fine of 20,000 yuan to 200,000 yuan on the unit; Impose a fine of 1000 yuan to 50000 yuan on individuals.

Article 42

Information users who, in violation of the provisions of this Ordinance, fail to use personal information in accordance with the purposes agreed with the subject of personal information or provide personal information to a third party without the consent of the subject of personal information, if the circumstances are serious or cause serious consequences, shall be fined between 20,000 yuan and 200,000 yuan by the the State Council Credit Information Industry Supervision and Administration Department or its dispatched institution; Impose a fine of 10000 yuan to 50000 yuan on individuals; If there are illegal gains, the illegal gains shall be confiscated. If losses are caused to the information subject, it shall bear civil liability according to law; If a crime is constituted, criminal responsibility shall be investigated according to law.

Article 43

The staff of the supervision and administration department of the State Council credit information industry and its dispatched offices who abuse their powers, neglect their duties, engage in malpractices for selfish ends, fail to perform their duties of supervision and administration according to law, or disclose state secrets and information subjects shall be punished according to law. If losses are caused to the information subject, it shall bear civil liability according to law; If a crime is constituted, criminal responsibility shall be investigated according to law.

Chapter VIII Supplementary Provisions

Article 44

The meanings of the following terms in these Regulations: (1) Information providers refer to units and individuals that provide information to credit reporting agencies and units that provide information to the basic database of financial credit information. (2) Information users refer to units and individuals that obtain information from credit reporting agencies and basic databases of financial credit information. (3) Bad information refers to the following information that has a negative impact on the credit status of the information subject: information that the information subject fails to perform its obligations in accordance with the contract in activities such as borrowing, buying on credit, guaranteeing, leasing, insurance and using credit cards; information that the information subject is subject to administrative punishment; information that the people's court judges or orders the information subject to perform its obligations and enforce them; and other bad information as stipulated by the supervision and administration department of the State Council credit information industry.

Article 45

The conditions for the establishment of foreign-invested credit reporting institutions shall be formulated by the supervision and administration department of the State Council credit reporting industry in conjunction with relevant departments of the State Council, and submitted to the State Council for approval. Overseas credit reporting institutions operating credit reporting business in China shall be approved by the supervision and administration department of credit reporting industry in the State Council.

Article 46

Institutions that have been engaged in personal credit reporting business before the implementation of these regulations shall apply for personal credit reporting business licenses in accordance with the provisions of these regulations within 6 months from the date of implementation of these regulations. Before the implementation of these regulations, institutions that have been engaged in enterprise credit information business shall, within 3 months from the date of implementation of these regulations, handle the filing in accordance with the provisions of these regulations.

Article 47

These Regulations shall come into force as of March 6, 2005.

1 13 15 is the national enterprise credit information system a government agency? Is it credible?

Is it true that water droplets collect credit information?

Shuidi Credit Information is a platform for providing enterprise credit information, which belongs to Shanghai Ping An Credit Information Service Co., Ltd. and is a credit information agency registered by the People's Bank of China. Jointly operated by Beijing Qihoo Technology Co., Ltd. and Shanghai Ping 'an Credit Information Service Co., Ltd., there is a China enterprise credit file, and the file data mainly comes from public data of government departments, public information of enterprises, Internet big data, self-declared data of enterprises, comments of netizens, etc.

Is the credit file of Shuidi credible?

Water droplets are credible and have gold content. Shuidi Credit is a credit reporting agency registered by the People's Bank of China, and it is an enterprise big data credit service platform supported by big data and Internet technology. All the data come from official channels such as public data from government departments, public data from enterprises, big data from the Internet, and comments from netizens. It has high reliability, credibility and great social influence. This real-name verification is the recognition and affirmation of the company's long-term adherence to the "honesty-oriented" development policy and its active contribution to the construction of social credit system through the "Internet of Things" ecological framework.

Shuidi Credit Information is a platform for providing enterprise credit information, which belongs to Shanghai Ping An Credit Information Service Co., Ltd. and is a credit information agency registered by the People's Bank of China. Jointly operated by Beijing Qihoo Technology Co., Ltd. and Shanghai Ping 'an Credit Information Service Co., Ltd., there is a China enterprise credit file, and the file data mainly comes from public data of government departments, public information of enterprises, Internet big data, self-declared data of enterprises, comments of netizens, etc.

How many credit companies are there in China?

* * * There are 2 1 province (city) 130 enterprise credit reporting institutions in China that have completed filing in the branches of the People's Bank of China. Please refer to the Internet website of the branches of the People's Bank of China for details of the filing of enterprise credit reporting institutions.