Self-inspection report on enterprise credit reporting

Self-inspection report is somewhat similar to audit report but more extensive. So, how to write the self-inspection report on credit reporting? Below, I have compiled a self-inspection report on corporate credit reporting for you. Welcome to read it!

Report on Self-inspection of Enterprise Credit Information 1

According to the notice of the General Office of the People's Bank of China on the implementation of the "Regulations on the Administration of Credit Information Industry"; In order to implement the Regulations on the Administration of Credit Information Business, standardize the compliance of the Bank's credit information business, improve the institutionalized level of credit information business management, effectively protect the legitimate rights and interests of financial consumers, and effectively improve the service quality of the credit information system, we have made a self-examination in combination with the actual situation of the branch in handling credit information business, and now we make the following reports on the self-examination:

1. When handling credit information business, the relevant credit information staff of the Bank strictly follow the Regulations on the Administration of Credit Information Industry of the People's Bank of China, and follow compliance and prudence.

2. In the process of inquiry, according to the principle of prudence and safeguarding the rights and interests of financial consumers, the inquired person shall sign the inquiry authorization in person for each inquired person, and conduct inquiry within the authorization according to the inquiry reasons authorized by the inquired person, so as to ensure that there is no unauthorized inquiry or unauthorized inquiry. And for each query result, the confidentiality system is implemented to effectively safeguard the personal privacy of the queried person.

3. Before each inquiry, do a good job in the inquiry registration system, register the name, address, ID number, contact number and inquiry reason of the inquired person in detail, register each inquiry record one by one, and bind and save its register book quarterly.

4. At present, the inquired person of our bank is the borrower. For those who meet the loan requirements, the inquiry report is kept as loan information. For those who do not meet the loan conditions, our bank keeps the inquiry report in a special folder, and the inquirers will never publicize their information to ensure that their inquiry information will not be leaked, which will affect their personal reputation.

5. Make a comprehensive evaluation of the customers on the basis of comprehensive, objective and reasonable principles. The credit information is for reference only. We should not simply use the credit information system correctly and conduct credit information business in compliance on the grounds that there are negative data in the credit information system of individuals and units.

VI. Post-loan management inquiry for individual loan households, in strict accordance with the competent authorization system. For each individual credit inquiry that needs post-loan inspection, the inquiry business shall be conducted according to the principle of "registration authorization first, then inquiry". Self-inspection Report on Enterprise Credit Information 2

This year's credit information management is guided by the Measures for Assessment and Appraisal of Credit Information Management of xx Central Sub-branch of China People's Bank, and all the work is carried out in combination with the actual situation of our city. The relevant information is now reported as follows:

1. The personal credit data of non-farmers in rural (urban) credit cooperatives in qitaihe city has been successfully reported to the basic database of personal credit information on December 8, and it can be guaranteed to continue to be entered and reported at the end of this year. This assessment deserves 8 points;

2. The bank's provident fund account information has been successfully submitted to the basic database of personal credit information. In addition, in terms of communication with the government, the Implementation Plan for the Construction of Credit Information System in qitaihe city has been formulated, which has been recognized by the Propaganda Department of the Municipal Party Committee. Actively coordinating various credit information functional departments is conducive to promoting the early realization of the credit information construction system in our city. This assessment deserves 12 points;

3. The Bank forwarded the Interim Measures for the Management of Basic Database of Personal Credit Information (Order No.3 of the People's Bank of China), requiring all financial institutions to organize relevant personnel to study hard, implement the spirit of the document, establish and improve the internal control system of inquiry and the management system of graded user authorization, and put relevant systems on record in the People's Bank of China. This assessment deserves 2 points;

4. In the inquiry of personal credit information system, we require all financial institutions to implement the spirit of Decree No.3 of the People's Bank of China, strictly implement the hierarchical user authorization system, and add relevant inquiry clauses in loan contracts or credit card approval materials. This assessment deserves 2 points;

5. At present, no citizen in the jurisdiction has filed an objection application to the credit information management department. In daily work, the People's Bank of China has learned to provide such business training to financial institutions, requiring credit business personnel to master the objection handling process skillfully. This assessment deserves 3 points;

6. With regard to daily statements, the Bank has always paid attention to the timeliness, accuracy and completeness of the submitted materials, and put an end to late reporting and omission. This assessment deserves 5 points.

ii. assessment criteria for bank credit registration and consultation system

1. in the operation of issuing loan cards, we strictly implemented the relevant requirements of the administrative measures for bank credit registration and consultation (provisional), and timely and accurately entered the basic information and financial indicators of borrowers (guarantors), and there were no mistakes in the loan information issued. In this year's centralized data cleaning of the bank credit registration and consultation system, we completed the supplementary recording of more than 1, related information in only half the time stipulated by the provincial bank, and participated in the data cleaning work of the provincial bank. This assessment deserves 3 points;

2. After receiving the Notice on Forwarding the Relevant Requirements of the Head Office's Administrative License for Issuing Loan Cards from Kazakhstan Central Branch, we will strictly implement the administrative approval system for issuing loan cards. The borrower will provide the relevant card-handling materials for review by the Legal Affairs Office of the People's Bank of China, and then transfer them to the business department for acceptance. The loan card application process has been publicized. This assessment deserves 3 points;

3. from may 8 to the end of June this year, the bank carried out the centralized annual review of loan cards, and in mid-July, it made a report about the situation and reported it to Kazakhstan-China branch. This work deserves 2 points;

4. In order to ensure that all corporate credit businesses of financial institutions are accurately entered into the bank credit registration consulting system, we check the credit data balance with financial institutions at the beginning of each month. If any inconsistency is found, we will find out the existing problems and correct them in time. This assessment deserves 3 points;

5. In order to ensure the confidentiality of enterprise information, the Bank defined the query scope in the data query of the credit registration consulting system, formulated relevant systems and strictly implemented them, and all information of system administrators and operators of financial institutions should be filed in the PBOC. This assessment deserves 3 points;

6. The Science and Technology Department backs up the data of the city bank management system every day, and ensures the smooth connection between the server and the provincial system network, and reports the data to the provincial system in time. This assessment deserves 3 points;

7. during the comprehensive upgrade of the bank credit registration and consultation system this year, the information in the city bank management subsystem and the loan card management subsystem was revised and supplemented in a centralized way according to the spirit of the document No.48 [2xx] of the head office. This assessment deserves 6 points;

8. Make a pie chart by using the data information in the report subsystem of the People's Bank of China, and analyze the relevant information to strengthen the loan structure and credit risk early warning management. This assessment deserves 2 points;

iii. assessment criteria for credit information publicity and education

1. after receiving the notice on issuing the credit information education plan of the whole province (Ha Yinfa No.152), we drew up the work plan for credit information management in qitaihe city, the implementation of the assessment system for credit information management in 2XX, and the main points of credit information publicity and promotion in qitaihe city in 2XX, and reported them to Ha Zhongzhi. This assessment deserves 2 points;

2. In order to expand the publicity of credit information, the Bank organized financial institutions to hold the "Financial Credit Information Cup" men's basketball match in qitaihe city on June 18th and 19th, held a donation activity for poverty alleviation in qitaihe city Central Branch of China People's Bank on August 17th in combination with student loans, and launched credit information publicity activities such as consumer loans and small secured loans for student loans in Bank of China, Agricultural Bank of China and rural credit cooperatives on September 21st. This assessment deserves 6 points;

3. On September 12th, a lecture on credit information was given to students in the city vocational and technical school, with more than 3 participants. This assessment deserves 3 points;

4. On October 15th, the Bank launched a credit investigation activity in the community, and conducted a credit investigation knowledge publicity activity in garden club, Taobei, qitaihe city. On October 25th, President Zhang Guiyun led a team to conduct credit investigation knowledge publicity in Longhu Coal Mine, which achieved good results. This assessment deserves 2 points;

5. In order to cooperate with the construction of the basic database of personal credit information, the Bank launched the qitaihe city Credit Information Publicity Week from November 4 to 11 to publicize the credit information knowledge of the public, continuously broadcast the public service advertisements of the head office's credit information in prime time on qitaihe city Public Channel from May to July this year, and held a training course on the city's credit information management in Qilin Mountain Villa, Jixi City from June 15 to 18. The professional quality of the trainees has been improved. The research article "Problems and Countermeasures in the Construction of Bank Credit Registration Consulting System" written by our bank was published in the third issue of Heilongjiang Financial Research, "Research on the Development Mode of China's Enterprise and Personal Credit Information Industry" was published in the 35th issue of Financial Research Report of People's Head Office, and "Problems and Countermeasures in China's Current Credit System" was published in the fourth issue of Financial Research Report of Shenyang Branch. This assessment deserves 2 points;

iv. Assessment criteria for supervision and management of credit information market

1. Coordinate with the Propaganda Department of the Municipal Party Committee, broadcast public service advertisements for credit information on the municipal TV station, formulate the Implementation Plan for the Construction of Credit Information System in qitaihe city, communicate with the Municipal Real Estate Bureau and the Provident Fund Management Center for many times to report the information of the provident fund account, and report relevant issues to Kazakhstan Zhongzhi in time. This assessment deserves 5 points;

2. The basic situation of credit reporting institutions within the jurisdiction was investigated, and this assessment deserved 3 points. Self-inspection report of enterprise credit investigation 3

1. Self-inspection time:

2xx December 31st

2. Self-inspection personnel:

XXX, XX, XXXXX.

III. Self-inspection:

(I) Self-inspection of authorization management

1. The credit inquiry personnel of our bank who need to inquire about the customer's credit information for handling business strictly follow the principle of "authorization first, then inquiry", and inquire about personal credit information within the scope of authorization;

2. In case of inquiry due to loan approval, the power of attorney and credit report shall be managed together with the credit files; If the loan is not issued after inquiry, the power of attorney shall be kept in a special folder;

3. Inquiring about personal credit database for the reason of "post-loan management" is authorized by the relevant person in charge signing the inquiry registration form of personal credit database;

(II) Self-inspection of registration management

1. The inquiry reasons recorded in the registration book are consistent with the real inquiry reasons;

2. Establish a special register book, improve the elements of relevant credit inquiry register book, and register in time after inquiry to avoid missing or wrong entry.

(III) Self-inspection of operation and management

1. The credit inquiry user of our bank is used by a special person who keeps his password, and there is no "public * * * user";

2. There is no unauthorized investigation of others' credit reports;

3. There was no inquiry about the credit report beyond the authorized scope;

4. Change the password of the inquiry staff regularly. ;