Summary of Bank Credit Investigation Activities

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Summary of bank credit reporting activities 1

In order to further standardize credit reporting business and related activities, and improve the institutional level of personal credit reporting system use and management, according to the requirements of XX document, we The bank quickly established an inspection team with President XX as the team leader and the heads of relevant departments as members. According to the regulations of XX, from X month XX to X month XX, we will conduct a comprehensive self-examination of our bank’s related credit reporting business. The self-examination results are now reported as follows:

1. Our bank is using personal credit reporting Credit inquiry system, regardless of the type of loan, our bank handles credit investigation business with the authorization of the customer, inquires the credit status of each loan customer, and determines the loan amount based on the investigation report and actual situation.

2. During the inquiry process, in accordance with the principles of prudence and safeguarding the rights and interests of financial consumers, for each person being inquired, the person being inquired will sign an inquiry authorization letter in person, and in accordance with the authorization of the person being inquired Inquire about the reason and conduct an inquiry within the authorization to ensure that there is no ultra-authorized inquiry. And for each inquiry result, a confidentiality system is implemented to effectively protect the personal privacy of the person being inquired.

3. The persons being queried by our bank are borrowers. For those queried persons who are eligible for loans, the inquiry reports are saved as loan information. For those borrowers who do not meet the loan conditions, our bank will The information of the inquirer will never be publicized to the outside world to ensure the security of the inquiry information

4. Our bank strictly manages the personal credit information of customers and shall not disclose customer credit information to the outside world. Since its opening, our bank has not traded customer information with third-party institutions or individuals; we have also not provided information to customers in violation of regulations or made illegal inquiries to obtain customer credit reports.

5. No tampering, damage or illegal use of personal credit information; no malicious collusion with natural persons, legal persons or other organizations to submit false credit information to the People's Bank of China's personal credit information basic database. At the same time, the computer using the personal credit reporting system is not connected to external networks such as the Internet.

The above is our bank’s self-examination since then, and we hereby report it! Summary of Bank Credit Reporting Activities 2

In order to implement the various requirements of the People's Bank of China on credit reporting publicity and education, organize our bank's credit reporting publicity work, and further broaden the depth and breadth of credit reporting knowledge publicity, To improve the public's awareness of credit and rights protection and promote the construction of a social credit system, our bank has carried out various credit reporting special publicity activities with rich content. Through the credit information publicity activities, the awareness of honesty and trustworthiness of enterprises and individuals has been greatly enhanced, and the credit information publicity activities have achieved remarkable results.

1. Careful organization and high attention

Our bank attaches great importance to this credit reporting publicity activity. The president will serve as the team leader, and the president in charge will serve as the deputy team leader. The department head takes the lead in the implementation and is specifically responsible for the organization and coordination of the Credit Information Publicity Month, clarifying responsibilities and assigning people to ensure that this activity is carried out in a solid manner.

2. Extensive participation and outstanding results

After careful planning and deployment, our bank actively carried out the Credit Information Knowledge Publicity Month activity in July. Residents actively participated in this event. On the day of promotion, our bank set up 2 promotional booths outside its business outlets, equipped with 9 employees to promote and popularize basic knowledge of credit reporting to residents and enterprises, and received dozens of on-site consultations. Through rich The form and innovative carrier of the publicity activities attracted great attention from residents and created a good publicity effect throughout the county. The publicity activities were a complete success.

3. Seize the key points and highlight the characteristics

In this credit reporting activity, our bank seizes the key points and highlights the characteristics.

Regarding the circumstances in which negative records are likely to occur in daily life, our bank staff gave in-depth and detailed explanations to participating companies and on-site citizens, and gave advice on how to avoid the occurrence of the above situations. Many suggestions were made. People who came for consultation said that they did not know or understand credit reporting in the past. This activity provided them with a good opportunity to get close to credit reporting and deepened their knowledge and understanding of credit reporting.

Through this credit information publicity activity, credit information knowledge has been further popularized, a social credit atmosphere of honesty and trustworthiness has been created, and the credit ethics of enterprises and the general public that trustworthiness is glorious and breach of trust is shameful have been further cultivated, and the credit ethics of enterprises and the general public have been effectively improved. Improve the financial ecological environment of our county. Summary of Bank Credit Reporting Activities 3

In 20xx, focusing on promoting the construction of the social credit system, XX accelerated the construction of corporate and personal credit reporting systems, actively explored the supervision of the credit rating market, and extensively carried out credit reporting knowledge publicity. The work status of the past year is now reported as follows:

1. Credit management work in 20xx

(1) Continue to strengthen the operation and management of the bank credit registration consultation system and promote the development of banking institutions Prevent credit risks and safeguard financial claims, while strengthening credit constraints on enterprises and guiding them to establish businesses with integrity. As of the end of December this year, the credit registration and consultation system of a certain bank has entered the basic information and credit information of more than xx thousand enterprises and institutions, including loans, guarantees, bank acceptance bills, letters of credit, letters of guarantee, etc., with an average of more than xx million inquiries per month . Commercial banks generally use this system to query this system as a fixed procedure for pre-loan approval, effectively preventing credit risks. According to a summary of the questionnaire survey of financial institutions of 23 system users in the entire jurisdiction, as of the end of December 200#, through the bank credit registration consultation system, 1,122 credit applications were rejected, accounting for approximately 1.82% of the number of credit acceptances by financial institutions. , denying 3.02 million yuan of potentially risky loans, accounting for approximately 4.6% of the credit amount accepted by financial institutions.

(2) Actively promote and apply the personal credit information basic database in our province, realize the successful operation of the personal credit information basic database in our province, establish a platform for promoting personal credit management, and initially form A personal credit supervision mechanism that encourages trustworthiness and restricts dishonesty. Since the operation of the personal credit information basic database, the number of queries to the database by commercial banks in our province has continued to increase. The number of applications for personal loans and credit cards with credit risks that are rejected through querying the database has continued to increase, and the system's role has initially emerged. According to the results of a questionnaire survey on the use of the personal credit information basic database of commercial banks in the province, the 15 financial institutions participating in the survey accepted 1,394 personal loans with an amount of 210 million yuan and 345 credit cards in July and August. By querying the personal credit information basic database, 167 personal loans with credit risks, amounting to 90 million, were rejected, accounting for 12.79% of the number and amount accepted; 81 credit cards were rejected, accounting for 4.6% of the number accepted.

(3) Explore and carry out credit market management work based on market research.

Organize and conduct a survey of commercial banks’ needs for external credit ratings, and study how to carry out credit rating work for borrowing companies based on the needs of commercial banks. By promoting cooperation between commercial banks and rating agencies in credit rating of financing guarantee institutions, it has played a certain positive role in solving the problem of loan difficulties for small and medium-sized, private and individual enterprises.

Promote the healthy development of the credit rating market by standardizing credit rating charging standards. Organize credit rating agencies to carry out investigations and calculations of the cost structure of rating services, study and formulate adjustment methods for credit ratings based on total assets with the provincial price department, standardize credit rating charging standards, and prevent the moral hazard that may arise from long-term charging based on grades for credit ratings. . Supervise the four rating agencies in the province to complete the revision of the credit rating indicator system and software development, and promote the rating agencies to improve the quality of their rating work and the credibility of their rating products.

(4) Cooperate with the opening of the basic database of personal credit information, actively carry out credit information publicity work, and promote the construction of "Integrity XX".

Since this year, activities have been organized across the province to bring credit information knowledge into campuses, communities and villages. From October to November, we jointly launched a special publicity campaign for "XX" in a certain university. Various localities have widely publicized personal credit information, student loans, credit cards and related financial knowledge by setting up consultation desks, holding knowledge lectures, distributing promotional materials, and holding knowledge competitions, etc., to guide the public to establish a correct concept of credit and cherish their own credit records, and obtain Good results.

2. Work Plan for 20xx

(1) Continue to strengthen the construction of the credit reporting system, further play its role in improving the financial ecological environment, and promote the construction of "Integrity XX" Serve.

(2) Promote the standardized development of rating agencies and gradually play the role of credit ratings in preventing bank credit risks. Gradually form a supervision, management and assessment mechanism based on business statistics and daily inspections, with expert review and default rate statistics as the core.

(3) Strengthen the promotion of credit information and financial knowledge. In conjunction with the construction of the credit reporting system, we will strengthen credit reporting publicity, popularize financial knowledge, and actively advocate a socialist credit culture of honesty and trustworthiness. Summary of Bank Credit Reporting Activities 4

June 14th is the tenth “Credit Record Care Day” nationwide. This year’s promotion theme is “Pay attention to credit records and maintain the image of integrity.” On the same day, the Yiyang Central Branch of the People's Bank of China organized branches and financial institutions within its jurisdiction to carry out a publicity activity with the theme of "Credit Record Care Day".

The publicity activities aim to guide the public to care for their own credit records, promote the public to actively understand, learn and disseminate credit information knowledge, and further enhance the credit awareness of the whole society. From the 14th to the 16th, the People's Bank of China at the city and county levels organized banking financial institutions within their jurisdiction to actively participate in the WeChat competition of the Integrity Culture and Education Base, and rolled out propaganda themed slogans in business premises, and set up a credit reporting column on the institution's Internet platform. Organize relevant staff to be responsible for credit reporting business consultation, customer promotion and explanation, and introducing credit reporting laws and regulations and credit report-related knowledge to the public. At the same time, we carry out credit information promotion activities "into agencies, communities, villages, enterprises, and campuses", set up a publicity consultation desk, distribute promotional materials on site, answer public questions, conduct special lectures and training, and deeply popularize credit information knowledge. Special emphasis is placed on increasing credit information publicity in rural and small and medium-sized enterprise credit system construction pilot areas, and further improving the understanding of credit system construction among relevant personnel in the pilot areas.

Example of work summary of bank credit reporting activities

In the first half of 20xx, the city's People's Bank of China's credit reporting management work must conscientiously implement the spirit of the xx Central Branch Business Work Conference, based on the People's Bank of China xx Based on the "Opinions on the Arrangement of Credit Information Management Work of the People's Bank of the Province in 20xx" by the Credit Information Management Office of the Central Branch, it highlights the key points of credit information management, focuses on the difficulties in non-bank information collection, strives to promote credit market credit ratings, and further strengthens small and medium-sized enterprises and The construction of the rural credit system, on the basis of comprehensively improving the operational quality of the credit reporting system, vigorously carries out credit reporting publicity and education, promotes the improvement of the credit environment, and contributes to serving the city's economic and social development to a new level.

1. Effectively use the "two systems" to improve the level of credit reporting services

At present, the city's People's Bank of China does not fully utilize credit data analysis, which affects the "two systems" further role. To this end, the city's People's Bank of China must continue to follow the requirements put forward by the head office that the construction of the credit reporting system should "gradually shift the focus of work from focusing on system construction to a track that pays equal attention to system construction and services" and make efforts to improve the operation quality and services of the credit reporting system. level.

(1) Continue to strengthen the data quality management of the credit reporting system. First, insist on doing a good job in the daily total verification of corporate and personal credit data, check the credit business warehousing status on a monthly basis, institution by institution, and project by project, and promptly detect abnormal data or low warehousing rates, or untimely submissions. Provide feedback to financial institutions and urge corrections. The second is to take the annual review of loan cards as an opportunity to carefully review various credit data and information of the units subject to annual review and provide timely feedback to ensure the timeliness, authenticity and completeness of corporate system data and information.

Third, in accordance with the requirements of the xx Central Branch Credit Information Management Office, financial institutions within the jurisdiction are organized to carry out detailed verification of personal credit data every six months, and carefully rectify the problems discovered to promote the improvement of data quality. The fourth is to continue to urge and organize grassroots rural financial institutions to use manual entry to submit data to the personal credit reporting system. At the same time, in accordance with the requirements of the xx branch, on the basis of realizing system docking, timely and complete reporting to the enterprise and personal credit reporting systems Submit data.

(2) Strengthen the administrative licensing management of loan cards. The People's Bank of the city should strictly implement various regulations on loan card management and do daily work such as loan card review and issuance in accordance with procedures and laws. At the same time, it should take various forms such as publishing annual review announcements in the media and posting promotional materials at the business outlets of financial institutions. , continue to increase the publicity of the loan card annual review, guide enterprises and institutions to consciously participate in the loan card annual review on time, and enrich the information content of the corporate credit system. It is necessary to take the opportunity of government affairs disclosure to further improve the loan card service standards and enhance the understanding and support of enterprises, institutions and financial institutions for loan card work with convenient, fast, thoughtful and meticulous services. It is necessary to strictly manage the collection and entry of loan card information to ensure the accuracy and completeness of the basic data in the corporate credit system.

(3) Earnestly handle credit reporting objections. It is necessary to further optimize the objection handling procedures and improve the efficiency of objection handling. Objection applications that need to be assisted by the credit reporting center of the head office shall be submitted to the credit reporting center as soon as they are accepted; if the credit reporting center does not need to be assisted by the credit reporting center for investigation and resolution, a collaborative investigation shall be quickly organized within the jurisdiction and the financial institution shall be urged to correct the erroneous information as soon as possible; for confirmation For objection information that is caused by financial institutions, when conducting assisted investigation according to procedures, the bank that coordinates the objection will issue a true certificate to the applicant for the objection, so that the party concerned can apply for credit business normally. During the objection handling, patiently and meticulously do a good job in publicity and explanation of the objection handling process, the operating principles of the credit reporting system, etc., so as to promptly eliminate various misunderstandings of the objection applicants and resolve conflicts. At the same time, various forms should be used to guide financial institutions to use credit reports correctly, pay attention to the "objection marks" and "personal statement" in credit reports, objectively analyze and treat bad records displayed on credit reports, and improve the application level of credit reports.

(4) Improve the service function of the credit reporting system. The first is to promote the expansion of the scope of use of credit reports. On the premise of strictly implementing the head office's management regulations on the use of credit reporting data and protecting corporate business secrets and personal privacy, we will coordinate and resolve the difficulties and problems encountered by financial institutions, especially rural financial institutions, in querying and using the credit reporting system, so that the credit reporting system can Better serve financial institutions’ credit decisions and business development. The second is to submit an application to the xx City Housing Provident Fund Management Department for checking the personal credit system, and actively declare it in accordance with the prescribed procedures and requirements. The third is to encourage enterprises, institutions, and government departments to use credit reports in commercial activities, civil servant recruitment, project procurement, bidding, and various qualification reviews, and to give full play to the role of the credit reporting system in promoting the construction of the credit system within the jurisdiction. Fourth, the county branches of the People's Bank of China should make full use of the statistical analysis function of the enterprise credit system newly developed by the Head Office's Credit Information Center to analyze the changes in various credit businesses by industry, industry, enterprise size, and economic type on a quarterly basis. , monitor large loan borrowers, affiliated enterprises, group enterprises, off-site loans, asset quality, etc., provide information services to prevent and resolve financial risks, maintain financial stability, and provide financial data support to bank leaders. The fifth is to conduct in-depth investigation and analysis around the hot and difficult issues that arise in financial reform and economic and financial operations, using the clues provided by the query and statistical functions of the credit reporting system

(5) Strengthening the implementation of system management systems Supervision and inspection. It is necessary to supervise and manage financial institutions to conscientiously implement various regulations on basic database management of personal credit information, improve internal control systems, and comprehensively strengthen various tasks such as data submission, information inquiry, objection handling, and security management.

2. Strengthen communication and coordination, and make great efforts to collect non-bank information.

The collection of non-bank information is not only a key task of the city's People's Bank of China, but also a difficulty in credit reporting.

To this end, the county branches of the People's Bank of China must attach great importance to it, strengthen communication and coordination with relevant departments, and strive to make breakthroughs in the collection of non-bank information. In accordance with the collection items determined by the People's Bank of China in each county and the non-bank information collection template and data interface specifications provided by the Central Branch, manual entry is adopted to strengthen the collection of non-bank information and the timely reporting of information. First, continue to strengthen communication and coordination with local governments and relevant departments, and vigorously carry out the collection of court litigation information (enterprises and individuals), road maintenance fee collection information, enterprise and individual tax arrears information, house and vehicle mortgage registration information, administrative law enforcement and other information Work hard and strive for a big breakthrough in the second half of the year. The second is to coordinate the departments and units that have provided information to improve the quality of data submission and ensure accurate, complete and continuous submission. At the same time, in the process of collecting non-bank information, attention must be paid to the security management of transferred data to prevent leaks.

3. Promote the development of credit ratings and strengthen credit market management

It is necessary to combine the credit rating work of non-public economic representatives and formulate the "Credit Rating Assessment Methods for Small and Medium-sized Enterprises" within the jurisdiction based on actual conditions , while seeking support and cooperation from local governments, relevant departments, and financial institutions, we should conscientiously conduct assessments on the credit rating of small and medium-sized enterprises, and feedback assessment results to relevant government departments to serve the construction of local credit systems.

Earnestly perform the duties of managing the credit reporting industry, pay close attention to and promptly grasp the latest developments in the credit reporting market, credit reporting agencies and the construction of the social credit system within the jurisdiction, and promptly discover and solve problems [This article is from a website issue, Major situations must be reported to the Central Branch in a timely manner.

IV. Continue to further promote the construction of the credit system for small and medium-sized enterprises and rural areas

It is necessary to continue to promote the credit system for small and medium-sized enterprises in accordance with the principles of "scientific organization, seeking truth from facts, steady advancement, and solid results" As an important task of credit management throughout the year, construction should be arranged and deployed as early as possible and organized and implemented well. In the first half of the year, the information update of all data items of archived small and medium-sized enterprises as of December 31, 20xx was completed. At the same time, commercial banks should be mobilized and guided to use the established credit files of small and medium-sized enterprises to discover high-quality customers, support the development of small and medium-sized enterprises, and create A good development environment for small and medium-sized enterprises.

Actively promote the construction of rural credit system. Combined with the establishment of student loans and the development of small credit loan business, organize rural financial institutions to continue to increase the publicity of credit knowledge in rural areas and rural households, advocate a social atmosphere of "honesty is proud, broken trust is shameful", and educate the general public Farmers are honest and trustworthy and cherish their credit records. Relying on deepening the creation of rural credit villages (towns), continue to organize rural credit cooperatives to build rural household credit files, expand the coverage of filing, enrich the information content of files, provide information services for financial support for the development of "agriculture, rural areas and farmers", and further improve farmers' credit files. Credit file information content and establish a credit evaluation system for farmers.

5. Continue to carry out in-depth credit reporting publicity and education activities, focusing on the effectiveness of publicity

(1) Persist in publicity to local governments and relevant departments. In order to straighten out the relationship between the construction of the People's Bank of China's credit reporting system and the construction of local credit systems, and to gain support from local governments and relevant departments for the People's Bank of China's credit reporting work, all county branches of the People's Bank of China must promptly report to the local government the construction and development of the People's Bank of China's credit reporting system. The purpose of credit management work and the main results achieved, and at the same time, with the help of various platforms, special reports, information submissions, and invitations to local leaders for on-site inspections are used to vigorously publicize the People's Bank of China's credit system construction concept and the credit system's role in promoting The important role in economic and financial development and improving the social credit environment enables local governments and relevant departments to fully understand and recognize the credit reporting work of the People's Bank of China, and rely on the credit reporting system of the People's Bank of China to accelerate the construction of local credit systems.

(2) Strengthen publicity to the public, especially ordinary borrowers.

Persist in placing publicity materials such as the "Citizen's Credit Reference Handbook" at loan card service windows, business counters of financial institutions, and credit outlets all year round, and organize commercial banking staff to patiently answer customer credit questions in daily credit work and collecting credit file information of small and medium-sized enterprises. , and send promotional materials to proactively promote corporate and personal credit reporting systems to encourage people to be honest and trustworthy and consciously cherish credit records. In accordance with the notice requirements of the xx Central Branch to carry out large-scale credit information publicity month activities across the province, we jointly held the "Credit Information Publicity Month" activities with commercial banks, by hanging banners, playing credit information skits, and posting " Cherish your credit record and enjoy a happy life" posters, distribution of promotional materials, and on-site consultations will promote the social influence of the People's Bank of China's credit reporting system and enhance the penetration of credit reporting propaganda.

6. Attach great importance to the credit research and information work

At present, the construction of my country’s social credit system is still in its infancy, and the construction of the credit system and credit management work need to be studied and solved. There are many problems, so we must pay special attention to and strengthen research information work. In the first half of the year, the main tasks of the city's People's Bank of China's credit research information work: First, focus on accelerating the construction of credit reporting legislation and credit reporting industry standards, strengthen relevant theoretical research, and promote the promulgation of the "Credit Credit Reporting Management Regulations" and "Credit Credit Reporting Management Regulations" Measures", "Measures for the Management of Basic Databases of Enterprise and Personal Credit Information Accessed by Non-bank Credit Institutions", formulate the "Credit Standard System Framework" and several standards for credit terminology, and provide suggestions for revising the promulgated credit regulations and systems; second, combine In practical work, we will work hard to solve difficult problems, continue to strengthen practical research on the promotion and application of the "two systems", credit market ratings, construction of small and medium-sized enterprises and rural credit systems, non-bank information collection, credit publicity, etc., and actively explore new work ideas and methods, promote work, and provide policy suggestions for higher-level bank decisions; third, focus on the implementation of "Several Opinions of the General Office of the State Council on the Construction of the Social Credit System", strengthen the construction of the social credit system in the region, new developments in the credit market, Investigate and study new issues, coordinate and solve problems in a timely manner, and reflect information in a timely manner.

7. Strengthen the management of credit reporting statements, reports, and analysis reporting

In the first half of the year, the Credit Reporting Management Office of People's xx Central Branch adjusted the reporting of statements, reports, and analysis time, reporting types, and increased assessment intensity. To this end, all county branches of the People's Bank of China must submit various credit reports, reports, analyses, research and information materials in a timely, accurate and complete manner in accordance with the catalog of "Regularly Submitted Statements and Analysis Materials" issued by the Central Branch. Strengthen organizational implementation, do not dilute tasks, do not delay time, do not lower standards, and complete various tasks with high quality and efficiency.

Sample summary of bank credit reporting activities

In order to further broaden the breadth and depth of credit reporting knowledge promotion, improve the level of credit reporting services in the banking industry, and actively respond to the Jinzhong Branch of the People's Bank of China Requirements for conducting credit information publicity throughout the city. Jinzhong Xiyang Sub-branch actively launched a credit information publicity campaign with the theme of "Cherish your credit records and enjoy a happy life".

First, the bank attaches great importance to this publicity activity and organizes it carefully. Allocate business elites to form a credit reporting knowledge publicity team, produce publicity materials, and formulate publicity plans. It is determined that publicity will be carried out from three aspects: integrity culture publicity and education, farmers' credit knowledge education, and the popularization of credit information knowledge to the public, and publicity activities will be promoted from two aspects: credit information professional education and credit popularization education.

Second, the bank actively publicized and built momentum for this event, combining credit reporting knowledge with its own business, drawing on local materials and giving personal opinions. Business outlets use LED, promotional posters, credit report promotional leaflets and leaflets for all-round publicity. Credit reporting songs and credit reporting advertising videos are simultaneously played in outlets to attract customers’ attention. Staff members explain credit information to customers.

Third, in this event, the bank focused on publicity effects, paid attention to publicity strategies, and adopted different focuses for publicity to customers of different ages and professions.

The bank popularizes credit reporting knowledge to student customers and introduces in detail the credit reporting knowledge that college students are most concerned about, such as "what is credit reporting, what is a credit report, and how to have a good personal credit report", so as to enhance the student group's ability to improve personal integrity and cherish individuals. Credit reference. Explain to business leaders and financial personnel the importance of honest management, the superiority of honest management in corporate financing and financial services, spread awareness of integrity, and encourage companies to create a culture of honest management. Promote to personal loan customers and credit card customers the importance of on-time repayment to maintain a good credit record. Customers have benefited greatly and have a deep understanding of credit information, and the publicity activities have achieved good results. ;