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Notice

The announcement of concerned problem on the financing guarantee agencycredit system queries

Municipal Finance Office ( Commission, Bureau ), Suizhong County Finance Office, the Financing Guarantee Agencies; the People's Bank of China Branch in Shenyang Liaoning Province the Central Branch, the Department of Business Management:

 

   In order to standardize the financing guarantee agencies to access credit system, according to" the financing guarantee companies to access credit system management Interim Provisions" (Yin-Fa[2010] No.365), combined with the actual situation, the provincial government finance office and the people's Bank of China Shenyang branch decided to study, in Liaoning province to promote the financing guarantee agencies for credit system. We hereby notify the relevant issues as follows:

 

    First, The Query Method and Scope

    Before the financing guarantee company submits the credit data, it may be query credit system indirectly, which is through the people's Bank of China branch in Shenyang Liaoning province the Central Branch inquiry credit information. After the financing guarantee companies submits the credit data, it should adopt the direct form of the report and query of credit information, i.e. through the Internet platform to access to the people's Bank of China shall submit the credit information intranet and query.

    The notification refers to the credit system is the people's Bank of China the basic enterprise credit information database and the individual credit information basic database.

    The notice referred to the financing guarantee agencies, refers to the provincial government finance office approval and obtain" the financing guarantee agencies operating permit" guarantee agencies and their branches.

 

    Second, The Query Request

    1. Financing guarantee agencies can query credit report through the credit system for guarantor or other who has relationship with the guarantor. The query got by financing guarantee agencies through credit system should be for the purpose of business of service guarantee agency, in examining the secured application or to the security provided for risk management of granting credit inquiries, authorized enterprises or individuals for query. Security relations after the lifting, the financing guarantee agencies no longer queries to be guarantor and its relationship to the main credit report.

    2. Financing guarantee agencies query is surety or guarantor have relationship with the main credit report, must obtain written authorization of the related subject. The written authorization may be secured the contract of license can be independent authorization. The written authorization shall include authorized, authorized objects, credit information and submit the authorized content, guarantee mechanism and the query should be mandated the duration and the query frequency content to agreed, in principle of not more than 4 times per year. Authorization should regulate the use of" the people's Bank of China personal credit information database on the basis of" appellation, may use" the agency"," credit system" point to the unknown, ambiguous name. To facilitate the query, it can take the agreed period of time to search for many times the one-time authorization. Authorized content is Liaoning province all levels of people's Bank for the query, should be carefully formulated.

    3. Financing guarantee agencies shall abide by the people's Bank of China on the credit information query, use, handling objections and safety management and other aspects of the provision, and actively cooperate with the Liaoning province all levels of people's Bank of credit management department.

 

    Third, The Submitted Materials for Query The financing guarantee agencies can query to the people's Bank in Liaoning province, the query should be in accordance with the requirements to provide material. Specific as follows:

    (A) Query business credit report required material

    1. The query of the enterprise issued credit report by inquiry authorization or containing license contract of guarantee (require enterprise signed and affixed with the seal, authorization to explicit authorization is valid);

    2. Copy of organization code certificate of query enterprise organization in A4 paper (with the official seal of the enterprise);

    3. Query business license A4 copy (with the official seal of the enterprise);

    4. Query corporate effective person’s ID card A4 copy (with the official seal of the enterprise);

    5. " the financing guarantee agency operation permit" original, and provide the A4 copy (with the Guarantee Agency official seal);

    6. Organization code certificate of financing guarantee organization, and provides the A4 copy (with the Guarantee Agency official seal);

    7. Financing guarantee agency provides industrial and commercial business license or certificate of legal persons and institutions, and provide the A4 copy (with the Guarantee Agency official seal);

    8. Financing guarantee issued by agency person a letter of introduction;

    9. People must provide show a valid original ID card and provide a copy in a4.

 

    (B) Query personal credit report required material

    1. Queries were issued credit report inquiry authorization or containing license contract of guarantee (personal signature, authorization to explicit authorization is valid);

    2. Enquired people’s ID card and copy in a4;

    3. " the financing guarantee agency operation permit" original, and provide the A4 copy (with the Guarantee Agency official seal);

    4. Organization code certificate of financing guarantee organization, and provides the A4 copy (with the Guarantee Agency official seal);

    5. Financing guarantee agency of industrial and commercial business license or certificate of legal persons and institutions, and provide the A4 copy (with the Guarantee Agency official seal);

    6. Financing guarantee issued by agency person a letter of introduction; people must provide show a valid original ID card and provide a copy in a4.

 

    Fouth, Objection Processing and Query Results

    1. Financing guarantee agency and its customers think their credit report credit information is with error, the main credit report by the Liaoning province all levels of people's Bank of credit management department or directly to the center of the     people's Bank of China put forward the written objection.

    2. Financing guarantee agency should not use the query results for abnormal operation purpose or leaked from the credit system to obtain credit information. In violation of the relevant provisions, the people's Bank of China branch in Shenyang in Liaoning province and the central branch, the Department of business management can take a deadline for rectification, informed criticism, affix the responsibility, the suspension to provide information, the activities involving illegal will be transferred to the judicial organ for handling.

 

    This regulation shall be implemented as of the date of issued.


November 18th 2011