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The State Council Will Start Issuing The Regulations On Credit Administration.

2011/10/21 15:59:00 53

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The State Council Promulgated The Regulations On The Administration Of Credit Information.

The credit reporting system is an important foundation for the development of the market economy. The CPC Central Committee and the State Council have always attached importance to the society.

Credit system

The development of construction and credit undertakings has made a series of major decisions and plans.

Recently, Premier Wen Jiabao chaired a State Council executive meeting to plan the development of social credit system.

The meeting stressed that during the "12th Five-Year" period, we should focus on the record, integration and application of credit information of social members, and establish and improve the credit rating system covering the whole society, and comprehensively promote the construction of social credit system.

We should speed up the legislation and system construction of credit reporting.

We should promptly formulate the regulations on the administration of credit investigation and related supporting systems and implementation rules, formulate credit information standards and technical specifications, and establish objection handling.

Complaint

Handling and tort liability investigation system.

At present, China's credit reporting industry is facing new opportunities. Strengthening the construction of social credit system is a guarantee for China.

Economics

Healthy and steady development is also of great significance, and the development of credit reporting industry in China is in urgent need of legal norms.

Experts point out that from the current situation of the development of China's credit industry, it is urgent to develop credit management standards based on credit information exchange, ensuring information security, supervising credit agencies and extending credit business, thus comprehensively enhancing the overall competitiveness of China's credit rating industry.

Therefore, in order to correctly guide the healthy development of the credit industry, prevent systemic financial risks, accelerate the construction of our social credit system, and safeguard the national information security, we should introduce the "credit management regulations" as soon as possible.

"Objectively speaking, our credit reporting system is still lagging behind the development of credit reporting industry.

On the one hand, the construction of credit information system and the legal system are not systematic.

On the other hand, on the lack of important legal protection of personal information, the provisions on the protection of trade secrets and personal privacy are scattered in the Constitution and the general principles of civil law, but they are relatively general. They are more difficult to operate in the field of credit investigation, which are not enough to protect the rights and interests of effective information subjects.

At the same time, because there is no specific legal norms for credit reporting, it is almost impossible to comply with the market access and exit, qualification, business scope, information collection and application management, which may lead to confusion in the credit market.

Therefore, it is of great significance for the healthy and orderly development of the credit industry to issue the credit administration regulations as soon as possible.

Analysts from ICBC pointed out.

As soon as possible, the "credit administration regulations" will also play an important role in preventing systemic financial risks, enhancing public awareness of credit and promoting the construction of social credit system.

In recent years, the legality of collecting and using information, the guarantee of information security, the preservation and use of negative information, and the collection scope of non bank information have aroused social concern in recent years. If we can not fundamentally clarify these issues, it will not be conducive to the construction of social credit system.

At the same time, the introduction of the credit administration regulations has important strategic significance for safeguarding national information security.

Some experts pointed out that due to the lack of relevant laws and regulations, there are almost no restrictions on the collection channels and scope of China's credit information industry, and there are no relevant provisions in cross-border credit information services.

Regulators can not determine whether the information collected by credit agencies includes sensitive information related to national security, public interest and military information, nor can they monitor and regulate cross border flows of information.

"At present, important progress has been made in the construction of the credit investigation and regulation system." the regulations on credit management have completed second public comments, and it is expected that the date will not be far from the final stage. "

Guo Tianyong, director of the banking research center of Central University of Finance and Economics, said that with the introduction of the Credit Administration Ordinance, the relationship between the connotation and boundary of the credit investigation, the object and purpose of the credit investigation, the establishment of credit information and the construction of the social credit system, the protection of the legal rights and interests of the information subject, especially the protection of personal rights and interests in the credit investigation activities, the business norms of credit reporting activities, the establishment of management regulations for many aspects such as market access, business conduct and market exit, and the roles and responsibilities of the credit supervision and Administration will be clarified one by one. These will be of great significance for improving the guidance, support and management of the credit information industry, and promoting the healthy and efficient development of the social credit system.