Administrative
Measures of
Shenzhen Municipality on Individual
Credit Information
Collecting and
Credit Rank
Evaluating
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(Formulated
by Decree
No.106 of
the Shenzhen Municipal
People' s
Government on
December 18 , 2001)
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Article 1 In
order to establish the individual credit system of Shenzhen
Municipality (hereinafter referred
to as "this
municipality" ),
to standardize the individual credit information collecting and
credit rank evaluating, to prevent
credit risks, and to protect
the lawful rights and interests of the party, these measures are
formulated
in accordance with the provisions of the related laws
and regulations, and in the light of the actual circumstances
of
this Municipality.
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Article 2
The
collecting and utilizing of the individual credit information
within the administrative areas
in this Municipality shall be
governed by these measures.
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The
individual mentioned in these measures means the natural person
that has full civil capacity.
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Article 3
The meanings of terms in these measures are as follows:
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(1) "Credit
information collecting institution" means a legal person which
establishment is approved
according to these measures, collecting
the individual credit information, and providing the consultant
and rank evaluating service of individual credit information to
the commercial bank and other individual
credit information users.
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(2) "Collecting
of the individual credit information" means the activity that
the credit information
collecting institution, by agreements with
the commercial bank and other information providing units,
collects and preserves the individual credit information dispersed
in the commercial bank and the society
to form the database of
individual credit information.
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(3) "Individual credit rank evaluating" means the activity
that the credit information collecting institution takes
a rank
evaluating to the individual credit information collected
according to its credit rank evaluating
standard.
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(4) "Individual credit information" means the personal
commercial credit record and other information that may
have
effects on judging one' s credit status.
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Article
4
The credit information collecting institution, the
individual credit information providing and using unit and their
staff shall keep secret of the individual information obtained in
the collecting and utilizing
the individual credit information ,
shall not disclose it to any third party, and shall not utilize it
beyond the using and duty range stipulated by these measures.
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Article
5
To undertake individual credit information collecting and
credit rank evaluating, any unit shall be approved by Shenzhen
Municipal People' s Government and Shenzhen Central Subbranch of
the People' s Bank of China, and
go through the industrial and
commercial registration formalities according to law.
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Any
individual is prohibited to undertake individual credit
information collecting and credit rank
evaluating. |
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Article
6 The
Supervisory Commission of Individual Credit Information Collecting
and Credit Rank Evaluating
shall be established in this
Municipality, which is in charge of supervising and managing
individual
credit information collecting and credit rank
evaluating.
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The
composition, duty and agenda rules of the Supervisory Commission
shall be stipulated by the
Municipal People' s Government
separately.
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Article
7
The credit information collecting institution shall collect
the individual credit information with the individual'
s consent
except lawfully disclosed individual credit information.
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Article
8
The individual credit information collected by the credit
information collecting institution are limited to the followings
that may affect one' s credit status:
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(1)Personal
identity status: name, gender, date of birth, number of identity
card, residence place
of population registration, residence place,
status of marriage, status of family member, status of income,
work unit, career, educational background, etc.
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(2)Record
of commercial credit: record of personal loan, repaying, personal
credit card' s using
and other credit action in commercial banks,
and record of credit transaction between the individual and other
commercial institutions.
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(3)Record
of public information in society: record of one' s tax payment,
social insurance, property
state and alteration.
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(4)Special
record: the record that may affect one' s credit status
concerning civil, criminal, administrative
suit and administrative
punishment.
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Article
9 The
credit information collecting institution shall collect the
individual credit information with
the individual' s consent by
the agreed way with the information providing unit.
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The
agreement between the credit information collecting institution
and the information providing
unit shall be provided to the
Municipal Supervisory Commission of Individual Credit
Information'
s Collecting and Credit Rank' s Evaluating for
record.
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The
information providing unit shall provide the individual credit
information for the credit information
collecting institution
according to the agreement.
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The
information providing unit shall be responsible for the truth of
the provided information.
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Article
10 The
credit information collecting institution shall collect the
individual credit information according
to the principles of
objectiveness and fairness, and shall keep the original integrity
of the information
provided, and shall not selectively collect the
individual credit information.
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Article
11 The
individual credit rank evaluating report shall be made objectively
and fairly according to the
credit rank evaluating standard of the
credit information collecting institution.
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The
credit rank evaluating standard of the credit information
collecting institution shall be reported
to Shenzhen Municipal
Supervisory Commission of Individual Credit Information Collecting
and Credit
Rank Evaluating for approval.
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Article
12 The
credit information collecting institution may provide the
consultant service of the individual
credit to the following units
and persons:
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(1)the
financial institution, dealing with the individual' s application
of financial business or
the commercial institution, making a
credit deal with the individual;
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(2)the
natural person or legal person authorized by the individual;
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(3)the
judicial authority and tax authority, making investigations by
authority;
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(4)other
authorities stipulated by laws and regulations.
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Article
13
The credit information collecting institution provide
compensable consultant service of the individual credit except
any
case found as follows:
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(1)the
judicial authority and tax authority, making investigations
according to their duties and
powers;
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(2)other
users no fees shall be imposed on according to the laws and
regulations.
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Fees
standard provided by the credit information collecting institution
shall be checked by the
municipal price authority.
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Article
14
The credit information, utilized by the users prescribed in
Item 1 and 2 of Article 12 of these measures, are limited
to the
range of knowing the individual' s credit status.
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Users
are prohibited to undertake any activities but to know the
individual' s credit status by
using gained individual
information.
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Article
15
The credit information collecting institution shall provide
individual credit information for an inquiry to himself.
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The
individual can inquire about his credit information from the
credit information collecting institution
by showing his identity
card.
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Article
16 If
finding the mistakes of his credit information, the individual may
apply for a correction.
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After
receiving the individual' s application for a correction, the
credit information collecting
institution shall have a check. If
the checked information is not consistent with the original
information provided by the information providing unit, the credit
information collecting institution shall correct
it immediately.
If the checked information is consistent with the original
information, the credit
information collecting institution shall
tell the individual to apply for a correction to the information
providing unit.
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The
individual shall supply a written apply of correcting information
within 5 working days from
the date that the credit information
collecting institution told him it. The credit information
collecting institution shall reply writtenly within 10 working
days from the date that it has received the individual'
s apply
of correcting information.
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Article
17
The credit information collecting institution shall reply
writtenly to the credit information that the individual
applies
for a correction to the information providing unit,. If the
information providing unit
doesn' t reply beyond the deadline,
but the individual still considers the information wrong, he can
put forward a written objection report. The credit information
collecting institution shall put the objection
report into the
individual' s credit information.
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During
the individual' s apply for a information correction, the credit
information collecting institution
must not announce the
individual' s credit report to the outside. If the individual
doesn' t supply
the apply of correcting information to the
information providing unit beyond the deadline, it will be
regarded that the individual has no objection to the information,
and the credit information collecting institution
can announce the
information to the outside.
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Article
18
The credit information collecting institution can preserve
the individual credit information for a long period of
time. But
the time limit of preserving the special record in the individual
credit information
can' t exceed 7 years unless laws and
regulations other require.
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The
time limit of preserving the individual credit information is
counted from the day that the
information has been collected.
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Article
19
The credit information collecting institution shall keep a
record of using the individual credit information, and
put it into
the database.
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The
record of using the individual credit information shall include
the whole record of the time
and the target that the individual
credit information is used.
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The
record of using the individual credit information shall be
preserved for 2 years from it comes
into being.
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Article
20
The credit information collecting institution shall be
responsible for upholding and managing the system and the
materials of the database of the individual credit information,
and renewing the database of the
individual credit information
according to the individual credit information collected.
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Article
21
The credit information collecting institution shall use the
special net to collect and transfer the individual credit
information by the, and the public internet is prohibited.
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When
the credit information collecting institution accepts and
transfers the individual credit information
by the special net and
finds the mistakes, it shall immediately tells the information
providing
unit to correct them.
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Article
22
The liability unit or individual concerned shall bear the
civil liability pursuant to law in any case found as follows:
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(1)The
credit information collecting institution and its staff, violating
the duty of keeping secrecy,
disclose the individual credit
information to the third person;
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(2)The
users of the individual credit information or its staff disclose
the individual credit information
or use it beyond the using
range;
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(3)The
credit information collecting institution arbitrarily revises the
individual credit information
provided by the unit, and alter the
individual credit rank.
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Article
23 If
the credit information collecting institution violates the
provisions of these measures when
collecting, transferring,
arranging the individual credit information, evaluating the
individual'
s credit rank or providing the service of credit
information, Shenzhen Municipal People' s Government and the
Shenzhen Central Subbranch of the People' s Bank of China will
circulate a notice of criticism and
order the credit information
collecting institution to correct them within the limited period.
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If
the information providing unit violates the provisions of Article
4 and 9of these measures, Shenzhen
Municipal People' s Government
or the Shenzhen Central Subbranch of the People' s Bank of China
will circulate a notice of criticism according to the range of
function and power, and order it to correct them.
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Person
who is directly responsible for the illegal activities mentioned
above shall be given the
administrative disciplinary sanctions and
be prosecuted criminal responsibilities according to law.
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Article
24
These measures are to be interpreted by Shenzhen Municipal
People' s Government.
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Article
25
These measures shall come into force as of January 1, 2002.
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