Enterprises and individuals who have applied for loan cards do not need to issue a "collection code" when applying for loans. Enterprises and individuals who have not applied for a loan card may issue a "sign-up code" after submitting an institution credit code certificate, an organization code certificate, an industrial and commercial registration certificate, a tax registration certificate or a valid personal identity certificate to a financial institution.
According to the Notice of the General Office of the People's Bank of China on Canceling the Administrative Examination and Approval of Loan Card Issuance, the People's Bank of China has gradually stopped handling the administrative licensing and annual examination of loan cards (the loan card with a history of 23 years has thus withdrawn from the historical stage).
At present, it is a transitional period before the second generation enterprise credit information system goes online. During this period, before enterprises and commercial banks carry out credit cooperation, it is no longer necessary to go to the People's Bank for loan cards and annual review of loan cards, and the loan card code is temporarily replaced by the levy code; After the transition period, the institution credit code will become the key identification code of enterprises in the credit information system.
In order to implement the Decision of the State Council on Cancelling and Adjusting a Batch of Administrative Examination and Approval Items (Guo Fa [2014] No.50), the Notice of the People's Bank of China on Implementing the Decision of the State Council on Cancelling and Adjusting a Batch of Administrative Examination and Approval Items (Yinfa [2014] No.359) and the Announcement of the People's Bank of China.
First, all branches of the People's Bank of China should attach great importance to it, conscientiously implement the above documents, stop the issuance and annual examination of loan cards, and promptly clean up relevant systems and normative documents.
Second, in view of the "Measures for the Administration of Bank Credit Registration and Consultation (Trial)" (Yinfa [1999] No.281) has been abolished, after the approval of issuing loan cards is cancelled, all branches of the People's Bank of China will no longer check whether financial institutions check borrowers' loan cards when handling credit business.
Three, after the cancellation of the loan issuance approval, the technical matters related to the operation of the basic database of financial credit information shall be handled by the Credit Information Center of the People's Bank of China to ensure the stable operation of the database.
Four, all branches of the People's Bank of China are requested to organize financial institutions within their jurisdiction to seriously implement it, and do a good job in publicity and explanation to the public to ensure a smooth transition. In case of new situations and problems in the implementation process, it should be reported in time.
legal ground
Notice of the General Office of the People's Bank of China on canceling the administrative examination and approval items for issuing loan cards.
Second, in view of the "Measures for the Administration of Bank Credit Registration and Consultation (Trial)" (Yinfa [1999] No.281) has been abolished, after the approval of issuing loan cards is cancelled, all branches of the People's Bank of China will no longer check whether financial institutions check borrowers' loan cards when handling credit business.
Three, after the cancellation of the loan issuance approval, the technical matters related to the operation of the basic database of financial credit information shall be handled by the Credit Information Center of the People's Bank of China to ensure the stable operation of the database.
Four, all branches of the People's Bank of China are requested to organize financial institutions within their jurisdiction to seriously implement it, and do a good job in publicity and explanation to the public to ensure a smooth transition. In case of new situations and problems in the implementation process, it should be reported in time.
Please forward this notice to the branches of the People's Bank of China and banking financial institutions within their respective jurisdictions.
Notice of the People's Bank of China on Implementation
Two, since the date of this notice, the "business circulation RMB approval" and "binding circulation RMB approval" are adjusted as post-approval items for industrial and commercial registration.
Third, the people's banks at all levels should promptly clean up relevant rules and regulatory documents, conscientiously do a good job in the publicity, follow-up supervision and convergence of the above matters, prevent management from being out of touch, pay close attention to and promptly report the situation and problems after the cancellation of administrative examination and approval items and the adjustment of industrial and commercial registration examination and approval.