Securities Daily reporter learned from the Peoples Bank of China Credit Inquiry Center that the expression of inquiry central bank credit inquiry system involved in this media report is inaccurate. The accounts receivable transfer registration business involved in the unified registration and publicity system for chattel financing rather than credit inquiry system are two completely different systems. Unification.
Although both systems are the information systems of the credit information center of the Peoples Bank of China responsible for construction, operation and maintenance, and are the financial infrastructure of the central bank, the two systems are independent and provide different services. The credit information system provides credit information services, and the unified registration and publicity system of chattel financing provides publicity services of chattel financing registration.
In accordance with the provisions of Article 8 and Article 33 of the Measures for Registration of Pledge of Accounts Receivable (Decree No. 3 of the Peoples Bank of China , hereinafter referred to as the Measures), the assignment registration of accounts receivable shall be handled by the assignee, and the registration subject shall be recorded as the filler in the registration certificate.
According to the Peoples Bank of Chinas Credit Inquiry Center, 58 accounts receivable transfer registrations of Guangdong Chengxing Holding Group Co., Ltd. and Shanghai Goofy Asset Management Co., Ltd. mentioned in the aforementioned report were independently operated by Shanghai Goofy Asset Management Co., Ltd.
According to the relevant provisions of Article 24 of the Measures, the Operating Rules of the Unified Registration and Publicity System for Chattel Financing and the Agreement on User Service of the Unified Registration and Publicity System for Chattel Financing, the filler shall register truthfully, bear responsibility for the authenticity, integrity and legality of the registration content, and provide false materials for registration. Those who cause damage to others shall bear corresponding legal liabilities. The main responsibility of the credit information center is to accept the relevant applications submitted by the filler, objectively record and preserve the registration information submitted by the filler in the registration system, and ensure the safe and normal operation of the registration system.
The Peoples Bank of Chinas Credit Inquiry Center said that the main purpose of registration in the registration system is to inform other subjects of the fact that a security right already exists in the movable property. In practice, there may be multiple security rights in the same chattel. The registration system can make the parties know the burden of rights in Chattel conveniently and determine the priority order among security rights in a predictable, fair and effective way through registration publicity. Before financing chattels, financial institutions can log into the registration system to check whether other security interests are created on the collateral provided by borrowers, so as to prevent the transaction risks caused by opaque information in the financing process. However, the authenticity of the secured transaction itself is the responsibility of the registered parties. Financial institutions should carefully investigate and verify the authenticity of the secured transaction to ensure that financing is effectively guaranteed.
Source: Liable Editor of Securities Daily: Yang Qian_NF4425