the People’s Bank of China announced that the first time since May 22, the People’s Bank to control the enterprise and consumer credit credit information into the financial reform and innovation organizations in Wenzhou Wenzhou private lending registration service center to the public, for lending the two sides “directed query.
This credit credit information collected by the People’s Bank of China business and personal credit report, it is mainly record business and personal credit credit assessment of the merits of grade, is an important reference for bank loans a. Collection of credit information of Wenzhou City, 310 000 enterprises and other organizations to the People’s Bank of China, Wenzhou city center branch established set of credit information systems, the basic coverage of the city’s industrial and commercial enterprises, but also a collection of personal credit information of 3.8 million. It also networked with the national financial system, a quick query to the city and the country related to business and personal loans credit information through the computer.According to reports, the set of credit information systems play an important role to prevent credit risks and maintain financial stability, improving the credit environment. It can help commercial banks to verify customers’ identity, to prevent malicious fraud and cheated to improve the courts, environmental protection, taxation, business and government, the judiciary, law enforcement, and enhance the credit binding and credit awareness of enterprises and individuals.
State Council executive meeting decided to establish Wenzhou finance comprehensive reform pilot area, in order to guide non-governmental lending sun, standardization, Wenzhou City, to create private lending registration service center. “You Are the One”, “match” service by lending intermediaries, consulting, legal, accounting and other supporting services for the borrowing of funds supply and demand sides, this has been great concern in society. Since its inception in April 26, as of May 22, supply and demand sides to come to the registered capital has reached over 13 billion turnover of more than 3600 million.
It is reported that the People’s Bank Credit Information System into the Wenzhou private lending registration service center operating procedures and queries of the banking system credit information, the capital supply and demand sides, the deliberations of the lending party to provide their own valid identity document, such as information, as long as the consent of the other party in writing to sign an agreement by the professionals of the People’s Bank of operation can be convenient to query each other’s credit history. To do so to protect the privacy of business and personal credit.According to Wu joint, the People’s Bank of China, Wenzhou city center branch president, the People’s Bank Credit Information System has been in control of use within the banking and financial system, not open to the public, will now be extended to institutions outside of the financial institutions to enter the Wenzhou private lending registration service center, which is a major initiative to support financial reform in Wenzhou can greatly improve the efficiency of the organizations of private lending for fully understanding the demand side of credit, reduce borrowing blindness, and reduce the risk of lending money to promote non-governmental lending sun, and standardization.
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