3月15日起《征信管理条例》正式实施，不良信用记录保留5年

On March 15th[Reference management regulations]Formal implementation,Bad credit records reserved for five years

　　本报讯（记者 李素平）记者昨日从人行官网证实，《征信管理条例》(以下简称《条例》)将从今年3月15日起正式实施。个人每年可免费查阅信用报告两次，如有信息错误、遗漏等可提出异议甚至投诉。此外，对于受关注的不良信息保存时限问题，人行明确设定为5年，超过5年的应当删除。

Report from our correspondent(Reporter LiSuPing)From reporters yesterday that the pedestrian's official website,[Reference management regulations](Hereinafter referred to as[regulations])Will from this year on March 15, the formal implementation.Personal credit report every year can free access to two,If there is wrong information/Omissions, objection or complaints.In addition,For concern bad information save time problem,Pedestrian clearly set for 5 years,More than 5 years shall be deleted.

　　金融信用信息基础数据库由人行征信中心维护，运行8年来，该系统已收录1800多万户企业、8亿多个人的有关信息。银行、担保公司、小额贷款公司甚至民间借贷机构，均将该系统中的个人和企业的信用报告作为参考。市民常因还款逾期等引发不良记录，这些记录将影响日后信用卡办理、贷款甚至考公务员等。信用报告作为居民和企业“经济身份证”的作用已日趋重要。

Financial credit information database by pedestrian reference center maintenance,Running eight years,This system has included more than 1800 family enterprise/More than 800 million personal information.The bank/Guarantee company/Small loan companies are even folk lending institution,All the system of individual and enterprise credit report as a reference.People often for reimbursement overdue and cause bad record,These records will influence the credit card is dealt with in the future/Loans even checking officeholder, etc.Credit reports as residents and enterprise"Economic id card"Role has become increasingly important.

　　按相关规定，个人可以每年免费两次向征信机构查询自己的信用报告。个人认为信息错误、遗漏的，可以向征信机构或信息提供者提出异议，异议受理部门应当在规定时限内处理；个人认为合法权益受到侵害的，可以向征信业监督管理部门投诉，征信业监督管理部门应当及时核查处理并限期答复。目前，长沙地区居民个人如需查询打印个人信用报告，只能前往人行长沙中心支行相关窗口办理。

According to related regulations,People can free twice a year to the agency check your credit report.Personally think wrong information/omissions,Can to agency or information providers to raise an objection,Objection to accept department shall, within the prescribed time limit processing;Personally think lawful rights and interests are infringed upon,Can to reference industry supervision and management departments complaints,Credit reporting industry supervision and administration department shall timely check processing and reply within a prescribed time limit.At present,Changsha area residents personal if you need inquires personal credit report print,Only to pedestrian changsha central subbranch window to handle related.

　　此前《征信管理条例》曾广泛征集意见。相比之下，记者发现较此前的版本仍有少量修改，例如将对设立从事个人征信业务的征信机构的管理更趋严格，除要符合公司法规定、具备主要股东信誉良好外，还将注册资本从此前的不少于500万元提升到不少于5000万元，且增加了“近3年无重大违法违规记录”的要求。

after[Reference management regulations]Used to solicit opinion.Compared with,Reporters found that a previous version there are still a few changes,Such as to set up personal credit business in the agency management more hasten is strictly,In addition to want to conform to the provisions of the company law/Major shareholders have the good reputation,Will also registered capital from previous not less than 5 million yuan ascend to no less than 50 million yuan,And increase the"Nearly three years no major illegal record"requirements.