I. Information sources of personal credit information system

China personal standard credit information collection is mainly imported into the database through two channels:

1. When a customer handles loan, credit card, guarantee and other credit businesses through the bank, the customer's personal credit information will be automatically submitted to the basic database of personal standard credit information through the bank.

2. The database can collect credit records of non-banking systems such as resident ID cards by docking with public security departments, Ministry of Information Industry, Ministry of Construction, Ministry of Labor and Social Security and other relevant government departments and public institutions.

Second, the personal credit information system input process source:

1. Data input source:

After a commercial bank issues a loan, the entry personnel of each institution enter information into the entry system according to the application materials submitted by the borrower. Input materials include loan application, loan contract, house purchase information, etc. Input personnel are responsible for the accuracy, timeliness and completeness of input information. Credit data can be automatically generated by the system without manual input.

2. Data submission and collation sources:

Commercial banks shall abide by the standards of personal credit database issued by the People's Bank of China and its related requirements, and submit personal credit information to the personal credit database accurately, completely and timely. The credit service center shall establish perfect rules and regulations, adopt advanced technical means to ensure the safety of personal credit information, and objectively sort out and save the personal credit information submitted by commercial banks according to the needs of generating credit reports, and shall not change the original data without authorization.

When the credit service center considers the information submitted by the relevant commercial bank suspicious, it shall timely issue a notice of examination to the commercial bank in accordance with the relevant prescribed procedures, and the commercial bank shall give a reply within 5 working days from the date of receiving the notice of examination.

If a commercial bank finds that the personal credit information submitted by it is inaccurate, it shall report it to the credit service center in time, and the credit service center will correct it immediately after receiving the error correction report.

3. Data acquisition

The personal credit information system is connected with the system ports of commercial banks and other financial institutions through special lines, and the financial institutions regularly provide personal credit information to the personal credit information system through the intranet system of commercial banks. After summarizing, financial institutions can enjoy resources.

Third, personal credit inquiry system.

1. Credit information inquiry subject of personal basic database

At present, there are three main aspects that can be inquired:

First, commercial banks. When reviewing applications for credit and guarantee business, you can inquire about personal credit reports after obtaining personal written authorization. In addition, commercial banks can also inquire about personal credit information under the condition of post-loan risk management of issued credit.

Second, government agencies such as financial supervision and management institutions and judicial departments. According to the relevant laws and regulations, these institutions can inquire about personal credit reports according to the prescribed procedures.

The third is the individual. After obtaining their own credit reports, individuals can provide them to other institutions according to their own wishes, or they can apply in writing to authorize institutions and individuals to inquire. At present, the personal credit information system is funded and managed by the government. Inquiring about personal credit report is a service provided by credit information center. In principle, you need to charge a certain fee, and there is no charge at present. Enquiries can be made to the credit management department of the local people's bank branch or directly to the credit information center. Source: Examination University.

2. The content of personal credit information system

(1) Personal Basic Information

① Personal identity information. Personal identity information refers to information that can reflect personal identity, facilitate identification and contact with individuals. The main provider and authoritative department of these indicators is the public security department, which is the most important basic information of individuals. This part * * * includes name, gender, nationality, date of birth, place of birth, household registration information, address information, communication information, marital status, spouse information, education information, certificate information and other information.

② Residence information. Residential information includes the name, postal code, residential status and other information of the inquired person.

③ Personal professional information. Personal occupation information reflects personal employment, work experience, occupation, industry, professional title, annual income and other information. These information provide another channel to understand and identify personal information besides identity information, which can reflect the personal work stability, employment situation, occupation, relevant work ability and qualification and certain social status, and to some extent, can reflect the credit status and repayment ability of a sugarcane.

(2) Credit transaction information

As the second part of the credit index system, credit transaction information is important information to record personal economic behavior and reflect personal solvency and willingness to pay debts. According to the Interim Measures for the Management of Personal Credit Database published by the People's Bank of China, personal credit transaction information refers to the transaction records formed by natural persons in personal loans, credit cards and other credit activities provided by commercial banks. In personal credit report, credit transaction information is divided into credit summary information and credit detail information. Covers the special transaction details of credit cards and loans, personal settlement account information, inquiry records and so on.

① Credit card information. Credit card information includes card type, guarantee method, currency, account opening date, credit line, * * * * credit line, maximum debt, overdraft balance, repayment amount this month, actual repayment amount this month, latest actual repayment date, current overdue period, current overdue amount and monthly repayment status records in the last 24 months.

② Loan information. Loan information includes loan type, guarantee method, proportion, account status, repayment frequency, repayment month, loan release date, loan maturity date, loan contract amount, monthly repayment status record and other items.

At present, the information sources of personal credit information system are mainly financial institutions such as commercial banks, which include personal basic information, credit information such as loans and guarantees in financial institutions. With the continuous development and improvement of the information system, the People's Bank of China has intensified its efforts to coordinate and share information with relevant government departments.

In addition to personal credit information, the personal credit information system will also include personal basic identity information, civil case execution information, various social security fees and housing provident fund payment information, published tax arrears information, telecommunications and other public utilities payment information, personal education information, and basic professional information of accountants (lawyers) firms, certified public accountants (lawyers) and other special professional practitioners who have an impact on public interests.

3. Personal credit security management

(1) authorized query

A commercial bank shall obtain the written authorization of the inquired person when inquiring about the personal credit report. Written authorization can be obtained by adding corresponding clauses in loan, credit card, quasi-credit card and guarantee application.