Summary of Bank Credit Information Activities

summary of bank's credit investigation activities

summary is a written material to analyze and study the experience or situation in a certain stage of work, study or thought. Writing summary is conducive to improving our study and work ability. Let's finish the summary carefully. So what should be included in the summary? The following is a summary of the bank credit investigation activities I have compiled for you, for reference only. Let's take a look.

summary of bank credit investigation activities 1

in order to further standardize the credit investigation business and related activities and improve the institutionalized level of the use and management of personal credit investigation system, according to the requirements of XX document, the Bank quickly set up an inspection team with President XX as the team leader and heads of relevant departments as members. According to the provisions of XX, we conducted a comprehensive self-examination on the relevant credit investigation business of our bank from XX to XX, and now we report the self-examination situation as follows:

1. Our bank is using a personal credit investigation system. No matter what loan type, we handle the credit investigation business with the authorization of customers, inquire about the credit status of each loan customer, and determine the loan amount according to the investigation report and the actual situation.

2. In the process of inquiry, according to the principle of prudence and safeguarding the rights and interests of financial consumers, the inquired person shall sign the inquiry authorization in person for each inquired person, and conduct the inquiry within the authorization according to the inquiry reasons authorized by the inquired person, so as to ensure that there is no unauthorized inquiry. And for each query result, the confidentiality system is implemented to effectively safeguard the personal privacy of the queried person.

iii. the inquired person of our bank is the borrower, and the inquiry report is kept as loan information for those who meet the loan requirements. for those who do not meet the loan requirements, our bank will never publicize the information of the inquired person to ensure the security of the inquiry information.

iv. our bank strictly manages the customer's personal credit information and shall not disclose the customer's credit information. Since its opening, the Bank has not traded customer information with third-party institutions or individuals; It also provides information to customers in violation of regulations or obtains customer credit reports in violation of regulations.

5. No tampering, damage or illegal use of personal credit information; No malicious collusion with natural persons, legal persons or other organizations, submitting false credit information to the basic database of personal credit information of the People's Bank of China. At the same time, computers using personal credit information system are not connected to external networks such as the Internet.

the above is the self-inspection of the bank since then, and it is hereby reported! Summary of Bank Credit Information Activities 2

In order to implement the requirements of the People's Bank of China on credit information publicity and education, organize the credit information publicity work of the Bank, further broaden the depth and breadth of credit information publicity, improve the public's credit awareness and rights protection awareness, and promote the construction of social credit system, the Bank launched various forms and rich contents of credit information publicity activities. Through the credit information publicity activities, the awareness of honesty and trustworthiness of enterprises and individuals has been greatly enhanced, and the credit information publicity activities have achieved remarkable results.

1. Carefully organize and attach great importance to

The Bank attaches great importance to this credit information publicity campaign. It was established with the president as the team leader, the president in charge as the deputy team leader, and the heads of various departments taking the lead in implementation, specifically responsible for organizing and coordinating the credit information publicity month, clarifying responsibilities and assigning people to ensure the solid implementation of this campaign.

ii. extensive participation and outstanding results

after careful planning and deployment, the bank actively launched the credit information publicity month in July. The residents actively participated in this activity. On the day of publicity, the Bank set up two publicity booths outside the business outlets, equipped with nine employees to publicize and popularize the basic knowledge of credit reporting to the residents and enterprises, and received dozens of on-site consultations. Through rich publicity activities and innovative activity carriers, it aroused great concern of residents, created a good publicity effect throughout the county and the publicity activities were a complete success.

iii. grasping the key points and highlighting the characteristics

in this credit investigation activity, the Bank grasped the key points and highlighted the characteristics. In daily life, the staff of our bank gave a deep and detailed explanation to the participating enterprises and the citizens at the scene, and gave many suggestions on how to avoid the above situations. The people who came to consult said that they didn't know or understand the credit information in the past. The activity provided them with a good opportunity to get close to the credit information and deepened their understanding and understanding of the credit information.

through this credit information publicity activity, the knowledge of credit information has been further popularized, an honest and trustworthy social credit atmosphere has been created, and the credit ethics of enterprises and the general public, which is glorious and shameful, has been further cultivated, effectively improving the financial ecological environment of our county. Summary of bank credit investigation activities for 3

2xx years. Focusing on promoting the construction of social credit system, XXX accelerated the construction of enterprise and individual credit investigation system, actively explored the supervision of credit rating market, and widely publicized credit investigation knowledge. The work in the past year is reported as follows:

1. Credit management in 2xx

(1) Continue to strengthen the operation and management of bank credit registration and consultation system, which has promoted banking institutions to guard against credit risks and safeguard financial creditor's rights, at the same time, strengthened the credit constraints on enterprises and guided enterprises to establish their businesses in good faith. By the end of December this year, the credit registration and consultation system of a certain bank has entered the basic information and credit information of more than xx enterprises and institutions, including loans, guarantees, bank acceptance bills, letters of credit, letters of guarantee, etc., and has been queried for more than xx times every month. Commercial banks generally regard the inquiry system as a fixed procedure for pre-loan approval, which effectively prevents credit risks. According to the summary of the questionnaire survey of financial institutions where 23 system users are located in the whole jurisdiction, by the end of December 2, through the bank credit registration consultation system, * * * rejected 1,122 credit applications, accounting for 1.82% of the total number of credit accepted by financial institutions, and rejected 3.2 million yuan of loans with potential risks, accounting for 4.6% of the credit accepted by financial institutions.

(2) Actively do a good job in the popularization and application of the basic database of personal credit information in our province, realize the successful operation of the basic database of personal credit information in our province, establish a platform for promoting personal credit management, and initially form a personal credit supervision mechanism that encourages trustworthiness and restricts dishonesty. Since the operation of the basic database of personal credit information, the number of queries from commercial banks in our province has been increasing, and the number of applications for personal loans and credit cards with credit risks has been increasing by querying the database, and the role of the system has initially appeared. According to the results of a questionnaire survey on the use of the basic database of personal credit information of commercial banks in the province, 15 financial institutions participating in the survey accepted 1,394 personal loans and 345 credit cards in July and August. By querying the basic database of personal credit information, 167 personal loans with credit risk were rejected, with an amount of 9 million, accounting for 12% and 7.9% of the number and amount accepted; 81 credit cards were rejected, accounting for 4.6% of the number accepted.

(3) based on market research, explore the management of credit information market.

Organize the investigation on the external credit rating needs of commercial banks, and study how to carry out the credit rating work of borrowing enterprises in combination with the needs of commercial banks. By promoting the cooperation between commercial banks and rating agencies in the credit rating of financing guarantee institutions, it has played a positive role in solving the loan difficulties of small and medium-sized private and individual enterprises.

start with standardizing the charging standard of credit rating to promote the healthy development of credit rating market. Organize credit rating agencies to carry out the investigation and calculation of the cost composition of rating business, study and formulate the adjustment method of charging credit rating according to the total assets with the provincial price department, standardize the charging standard of credit rating, and prevent the moral hazard that may arise from charging credit rating according to grade for a long time. Supervise the four rating agencies in the province to complete the revision of the credit rating index system and software development, and promote the rating agencies to improve the quality of rating work and the credibility of rating products.

(4) cooperate with the opening of the basic database of personal credit information, actively carry out credit information publicity work, and promote the construction of "integrity". Since the beginning of this year, credit information knowledge has been organized and carried out in the province to enter the campus, the community and the countryside. From October to November, we jointly launched a special publicity campaign for "XXX" in a certain university. Various localities have widely publicized personal credit information, student loans, credit cards and related financial knowledge by setting up information desks, holding knowledge lectures, distributing publicity materials and holding knowledge contests, so as to guide the public to establish a correct credit concept and cherish their credit records, and achieved good results.

II. Work Plan for 2xx

(1) Continue to strengthen the construction of the credit information system, further play its role in improving the financial ecological environment, and serve to promote the construction of "honesty".

(2) promote the standardized development of rating agencies and gradually play the role of credit rating in preventing bank credit risks. Gradually form a supervision and management assessment mechanism based on business statistics and daily inspection, with expert review and default rate statistics as the core.

(3) Strengthen credit investigation and financial knowledge publicity. Combined with the construction of credit information system, strengthen credit information publicity, popularize financial knowledge, and actively advocate a socialist credit culture of honesty and trustworthiness. Summary of bank credit investigation activities 4

June 14th is the 1th "Credit Records Care Day" in China, and this year's publicity theme is "Pay attention to credit records and maintain the image of integrity". On the same day, Yiyang Central Sub-branch of the People's Bank of China organized sub-branches and financial institutions within its jurisdiction to carry out the theme publicity activities of "Credit Record Care Day".

The publicity activities are aimed at guiding the public to care about their credit records, promoting the public to actively understand, learn and disseminate credit information knowledge, and further enhancing the credit awareness of the whole society. From 14th to 16th, the People's Bank of China at the city and county levels organized banking financial institutions within its jurisdiction to actively participate in the WeChat competition in the Credit Culture Education Base, and rolled out publicity slogans in the business premises, set up a credit column on the institutional Internet platform, organized relevant staff to be responsible for credit consultation, publicize and explain to customers, and introduce credit laws, regulations and credit report related knowledge to the public. At the same time, we will carry out the activities of "entering institutions, communities, villages, enterprises and campuses", set up a publicity desk, distribute publicity materials on the spot, answer public questions, carry out special lectures and training, and popularize credit information in depth. Special attention should be paid to increasing the publicity of credit information in rural and small and medium-sized enterprise credit system construction pilot areas, and further improving the understanding level of relevant personnel in the pilot areas on credit system construction.

summary of bank credit information activities

In the first half of 2xx, the credit information management work of the People's Bank of China in the whole city should conscientiously implement the spirit of the xx Branch Business Work Conference, highlight the key points of credit information management, focus on the difficulties of non-bank information collection, and strive to promote the credit rating of the credit market based on the Credit Information Management Office of the xx Central Branch of the People's Bank of China. Further strengthen the construction of small and medium-sized enterprises and rural credit system, vigorously carry out credit publicity and education on the basis of comprehensively improving the operation quality of credit information system, promote the improvement of credit environment, and make contributions to serving the city's economic and social development to a new level.

1. Make effective use of the "two systems" to improve the credit information service level

At present, the People's Bank of the whole city does not fully analyze and utilize the credit information data, which affects the further play of the "two systems". To this end, the People's Bank of the city should continue to work hard to improve the operation quality and service level of the credit information system in accordance with the requirements of the head office that the focus of work should be gradually shifted from system construction to the track of paying equal attention to system construction and service.

(1) continue to strengthen the data quality management of the credit information system. First, we should do a good job in checking the daily total amount of credit data of enterprises and individuals, check the warehousing situation of credit business on a monthly basis by institution and project by project, and promptly feedback the abnormal data found or the low warehousing rate and untimely submission to financial institutions to urge them to correct. Second, take the annual review of the loan card as an opportunity to carefully review all kinds of credit data and information of the audited units and give timely feedback to ensure the timeliness, authenticity and integrity of the enterprise system data and information. Third, according to the requirements of the Credit Information Management Office of xx Branch, organize financial institutions within its jurisdiction to do a solid job of checking the details of personal credit information data once every six months, and seriously rectify the problems found to promote the improvement of data quality. Fourth, continue to urge and organize grassroots rural financial institutions to submit data to the personal credit information system by manual entry, and at the same time submit data to enterprises and personal credit information systems in a timely and complete manner on the basis of realizing system docking according to the requirements of xx Branch.

(2) strengthen the management of administrative licensing of loan cards. The People's Bank of the city should strictly implement the provisions on loan card management, do a good job in the daily work of loan card review and issuance according to procedures and laws, and take various forms such as publishing annual review announcements in the media and posting publicity materials at the business outlets of financial institutions, continue to increase the publicity of annual review of loan cards, guide enterprises and institutions to consciously participate in the annual review of loan cards on time, and enrich the information content of enterprise credit information system. It is necessary to take the opportunity of openness in government affairs to further improve the work norms of loan card services, so as to provide convenient, fast, thoughtful and meticulous services and enhance the understanding and support of enterprises, institutions and financial institutions for loan card work. It is necessary to strictly manage the collection and entry of loan card data to ensure the accuracy and completeness of the basic data of enterprise credit information system.

(3) Do a good job in handling objections to credit reporting. It is necessary to further optimize the objection handling procedures and improve the efficiency of objection handling. The objection application that needs to be investigated by the Credit Information Center of the Head Office shall be submitted to the Credit Information Center at the first time of acceptance; If it is not necessary for the credit information center to investigate and solve the problem, it shall quickly organize an investigation within its jurisdiction and urge financial institutions to correct the wrong information as soon as possible; For the objection information that is confirmed to belong to the financial institution, when conducting the investigation according to the procedure, coordinate the bank where the objection occurs to issue a true certificate for the objection applicant, so that the parties can apply for credit business normally. In objection handling, we should patiently and carefully publicize and explain the objection handling process and the operating principle of the credit information system, so as to eliminate all kinds of misunderstandings of objection applicants in time and resolve contradictions. At the same time, we should use various forms to guide financial institutions to use credit reports correctly, pay attention to "objection marks" and "personal statements" in credit reports, objectively analyze and treat bad records displayed in credit reports, and improve the application level of credit reports.

(4) improve the service function of the credit information system. The first is to promote the expansion of the scope of use of credit reports. On the premise of strictly implementing the regulations of the Head Office on the use of credit information data and protecting the business secrets and personal privacy of enterprises, coordinate and solve the difficulties and problems encountered by financial institutions, especially rural financial institutions, in inquiring about and using the credit information system, so that the credit information system can better serve the credit decision-making and business development of financial institutions. The second is to apply to the housing provident fund management department of xx City to inquire about the personal credit information system, and actively declare it according to the prescribed procedures and requirements. The third is to encourage enterprises, institutions and government departments to use credit reports in commercial activities, civil servant recruitment, project procurement, bidding and various qualification examinations, and give play to the role of credit information system in promoting the construction of credit system within their jurisdiction. Fourth, the county branches of the People's Bank of China should make full use of the credit information of the head office