Under what circumstances can financial institutions inquire about personal credit reports?

Wuhan Aikayun Technology helps you answer:

As long as you agree. The credit status of a single enterprise, especially an unlimited liability enterprise, has a strong correlation with the credit status of the enterprise owner or main manager. Inquiring about the personal credit reports of enterprise owners or main managers is helpful for commercial banks to judge the credit status of enterprises more comprehensively.

In order to ensure the credit security of commercial banks and prevent credit risks, commercial banks can inquire about the personal credit reports of enterprise owners or main managers according to the authorization of enterprise owners or main managers when reviewing the credit applications of individual enterprises.

46. Can any staff member of a commercial bank inquire about a customer's personal credit report?

Not all staff of commercial banks can inquire about customers' personal credit reports. Commercial banks must set up special posts in accordance with the relevant provisions of the People's Bank of China, and designate special persons to inquire about personal credit reports. Inquirers of credit reports of commercial banks must file with the Credit Management Department of the People's Bank of China.

47. In addition to commercial banks and other financial institutions, personal credit reports are increasingly widely used.

At present, when some regions are examining the qualifications of NPC deputies and CPPCC members, some units are examining the recruitment of civil servants, and some enterprises and institutions need to inquire about personal credit reports from the perspective of comprehensive assessment of candidates' qualifications when recruiting staff for special positions such as finance. A necessary condition for these institutions to inquire about personal credit reports is that they must obtain the authorization of the inquired person. Authorization can be public, for example, in the Open Recruitment Law or Representative Qualification Requirements, it is directly stated that the candidate or the candidate's personal credit report should be inquired, or it can be a specific written authorization.

48. What should I do if I find that someone else has inquired about your credit report without permission?

If you find that others inquire about your credit report without authorization, you should contact the Credit Information Center of the People's Bank of China or the credit information management department of the local People's Bank in time to inform the relevant information. According to the Interim Law on the Management of Basic Database of Personal Credit Information, commercial banks and other institutions that inquire about personal credit reports in violation of regulations will be ordered to make corrections and be fined 1 10,000 yuan but not more than 30,000 yuan. Those suspected of committing crimes will also be handed over to the relevant judicial departments. Questions and Answers on Personal Credit Information of Wuhan Branch of China People's Bank.