According to Article 28 of the regulations on the administration of credit investigation, the above-mentioned person in charge said: the basic database of financial credit information receives the credit information provided by institutions engaged in credit business in accordance with the provisions. Article 29 stipulates that institutions engaged in credit business shall provide credit information to the basic database of financial credit information in accordance with regulations. The credit business information of Huabei and Jingdong Baitiao are submitted to the basic database of financial credit information (i.e. credit information system) by the small loan companies of Ali group and Jingdong group, which are in line with the provisions of the regulations on the administration of credit reporting industry.
According to the official, Article 29 of the regulations on the administration of credit investigation stipulates that an institution engaged in credit business shall obtain the prior written consent of the information subject when providing credit information to the basic database of financial credit information or other subjects. The credit reference center earnestly maintains the information subjects right to know and consent, strictly abides by the authorization system of submitting data and inquiring data, and supervises the institutions engaged in credit business to fulfill their authorization obligations and report and inquire in compliance with the regulations. For the credit reporting system of Huabei and Jingdong Baitiao, the relevant lending institutions need to obtain the authorization consent of the information subject in advance, and generally adopt the method of signing online authorization consent with the information subject to submit data.
The person in charge stressed that with the development of the credit market, the availability and convenience of personal loans are constantly improving. The credit reference center reminds the public that we should live within our means, manage our own financial affairs well, not over debt, pay in full and on time, and maintain a good credit record.
Source of this article: Wang Fengzhi, editor in charge of China Securities News u00b7 China Securities Net_ NT2541