in March, 26, with the approval of the Central Editorial Office, the People's Bank of China established the Credit Information Center of the People's Bank of China as a directly affiliated institution to be responsible for the construction, operation and maintenance of the credit information system for enterprises and individuals. At the same time, in order to implement the provisions of the Property Law on the registration of accounts receivable pledge, the Credit Information Center established the registration system of accounts receivable pledge on October 1, 27 and provided services to the outside world. In May 28, the Credit Information Center officially held a listing ceremony in Shanghai, registered in Pudong New Area, Shanghai. The Regulations on the Administration of Credit Information Industry (hereinafter referred to as the Regulations), which came into effect on March 15th, 213, made it clear that the credit information system is located in the basic database of financial credit information established by the state. At present, the Credit Information Center has credit information sub-centers in 31 provinces and 5 cities with separate plans.

as a professional credit reporting institution, the credit reporting center performs its duties according to law, actively promotes the construction of the credit reporting system, ensures the safe and stable operation of the system, accelerates the system upgrade and optimization, further promotes the service transformation, strengthens product research and application, earnestly safeguards the legitimate rights and interests of information subjects, and gives full play to the role of the credit reporting system as an important financial infrastructure in China, thus making positive contributions to promoting the construction of the social credit system.

build the largest credit information system in the world. In 1997, the People's Bank of China began to build a bank credit registration consulting system (the predecessor of enterprise credit information system). From 24 to 26, the People's Bank of China organized financial institutions to build a national centralized and unified credit information system for enterprises and individuals. Today's credit information system has been built into the world's largest basic database of credit information with the largest number of people, comprehensive information collection, wide coverage and wide use, and basically established a credit file for every domestic enterprise and individual with credit activities. By the end of April 215, the credit information system had collected more than 86 million natural persons and nearly 2.68 million enterprises and other organizations. The credit information system comprehensively collects the information of enterprises and individuals. Among them, with bank credit information as the core, it also includes public information such as social security, provident fund, environmental protection, tax arrears, civil adjudication and enforcement. Access to commercial banks, rural credit cooperatives, trust companies, finance companies, auto finance companies, microfinance companies and other lending institutions; The information inquiry ports of the credit information system are all over the outlets of financial institutions all over the country, and the credit information service network covers the whole country. A credit product system with the credit reports of enterprises and individuals as the core has been formed, and the credit reports issued by the credit center have become the "economic identity cards" of domestic enterprises and individuals.

the credit information system has been widely used and achieved remarkable results. Credit information system has been widely used in the credit risk management of financial institutions, effectively solving the problem of information asymmetry, improving the convenience of public financing, creating more financing opportunities and promoting the development of credit market. The extensive application of the credit information system has significantly improved the social credit awareness and formed an incentive and restraint mechanism of "keeping promises and punishing dishonesty" in the whole society.

In the future, the Credit Information Center will continue to deepen the service transformation, comprehensively improve the ability and level of sustainable development, build a good credit information system, strive to provide more high-quality and efficient credit information products and services for the whole society, and continue to play a role in the stability of China's financial system and the improvement of social credit environment. L from China people's bank credit information system official website:/zxzx /zxzx/zxgk/gywm.shtml