At the first working conference on credit management of the People's Bank of China, Suning, deputy governor of the central bank, said that within 1 2 years, the basic framework of the credit information system for enterprises and individuals in China will be initially established. . In recent years, the credit information system of enterprises and individuals in China has developed to a certain extent, and the bank credit information registration and consultation system has been networked nationwide. At present, most commercial banks have regarded the inquiry system as a fixed procedure for loan decision, and the construction of personal basic credit information database is accelerating, but it is still far from meeting the needs of current economic development. By the end of March this year, 4.27 million borrowers from enterprises and institutions had been registered, and the balance of RMB loans was 13.7 trillion yuan. In the first quarter, the average query volume reached 1.72 million. Suning said that in accordance with the direction of improving laws and regulations, franchising, commercial operation and professional services, it is necessary to speed up the construction of credit information service systems for enterprises and individuals, establish credit supervision and disciplinary systems for dishonesty, and gradually open up the credit service market. It is necessary to speed up the formulation of credit laws and regulations, standardize the credit industry and government affairs management, corporate information disclosure and personal privacy protection. In particular, we should properly handle the relationship between the disclosure and use of corporate and personal information and the protection of corporate business secrets and personal privacy.