Collect home address, contact number, and ID card information. If you want a loan, you need to fill in two emergency contact information. They will see if you are eligible for financial management products and then recommend them to you. They may also collect your detailed information after you get a loan. According to requirements, banks require real-name registration, so personal ID numbers must be collected.

The personal credit information system is operated by the People's Bank of China and is provided to banks, data subjects themselves, financial regulatory agencies, judicial departments and other government agencies. This kind of activity of sharing credit information between banks through third-party institutions is credit reporting. With the intervention of the credit bureau, when you borrow money from the bank, the account manager can check your credit report with your consent. This can tell you whether a loan can be provided as quickly as possible, saving time. .

Legally speaking, banks will collect necessary personal information when users apply for credit cards, which is very convenient for banks to review credit card procedures. However, if the bank collects unnecessary personal information, then the bank's behavior has violated the relevant laws of our country. It is worth noting that personal information unrelated to the debt charged by the bank was not properly protected, but was transferred or sold to "unidentified" people after the credit card user overdue, which is undoubtedly the case for personal information unrelated to the debt charged by the bank. infringement. debt. On top of that, these “unidentified” individuals use banks to transfer or sell this personal information to commit crimes. Legally speaking, this behavior is a serious crime. Article 253 of the Criminal Law stipulates: “Staff of state agencies and financial, telecommunications, transportation, education, medical and other units violate national regulations and sell or illegally provide personal information to others. In the process of performing their duties or providing services, their units If the circumstances are serious, the citizen shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also or solely be fined.

1. As a legal Chinese citizen, we strongly condemn the behavior of the bank, because It not only violates the law, but also condones and instigates other people's criminal behavior. Banks should be held responsible for their actions.

2. Therefore, based on the legitimate rights and interests of supervision, we require relevant departments to strictly investigate such behavior of banks. criminal acts, and provide consumers and Chinese citizens with a private, peaceful and information-secure living environment.