企业和个人征信体系介绍.pdf

文档介绍：: .
企 making

• 人民银行征信中心负责日常运行和维护 Credit Reference Center of the
People’s Bank of China is responsible for its daily operation and
maintenances
January 2008 BIIA Credit Management & Information Forum 2008 4企业数据库建设历程 History of the Credit
Reporting for Enterprises
• 1992年部分地区试点实施“贷款证”制度: Experiment of “Loan
Book” in part of China in 1992
• 2000年开始建立分散的“银行信贷登记咨询系统”，在商业银行之间共
享企业信贷信息 The building up of the “Bank Credit Registry

and Consultant System” (BCRCS)in 2000, sharing credit
information for enterprises among banks
• 2006年6月底全国统一的企业数据库全国联网运行 BCRCS has
been integrated into a national unified credit database for

enterprises in by the end of June 2006
January 2008 BIIA Credit Management & Information Forum 2008 5个人数据库建设历程 History of the Credit
Reporting for Consumers
• 1999年上海试点：地方性的数据库不能满足全国统一的信贷市场的需
要 Experiment in Shanghai in 1999: local database could not

meet the information sharing needs of an national integrated

credit market
• 2004年开始建设，2006年1月正式运行 Starting from 2004 and
went into operation in January 2006
January 2008 BIIA Credit Management & Information Forum 2008 6二、征信制度建设 Legal issues
• 《个人信用信息基础数据库管理暂行办法》 Provisional Rules on
the Management of the Credit Database for Consumers

• 《银行信贷登记咨询系统管理暂行办法》Provisional Rules on the
Management of the Bank Credit Registration and Consultant
• 《企业信用信息基础数据库管理暂行办法》Provisional Rules on