本报记者 胡勇 实习生 黄欢

Our reporter HuangHuan HuYong interns

　　春节前,家住冉家坝“当代城”的陈炳华向某银行贷款10万元。节后,贷款到手,但陈炳华每天都要接到一些小贷公司和担保公司的电话或短信,问他“有资金需求吗?”

Before the Spring Festival,Mannequins in house dam"The contemporary city"To the ChenBingHua a bank loan of 100000 RMB.after,Loans to,But ChenBingHua everyday want to receive a small loan companies and guarantee company telephone or SMS,Ask him"Has the capital needs?"

　　陈炳华很纳闷,这些公司怎么知道自己需要钱?

ChenBingHua wonder,How do you know these companies need the money?

　　经反复追问,一小贷公司客服告诉他,“从银行了解到这个信息的。”

After the repeated questions,A small loan company customer service told him,"From the bank to know the information."

　　

信息被“出卖” 客户很无奈 Information is"betray" Customer very helpless

　　

银行客户信息怎么会被别人知道呢? Bank customer information can be others know?

　　去年,央视“3·15”晚会披露了招商银行(600036,股吧)、工商银行员工向他人出售客户个人信息,导致银行客户资金被盗,造成损失3000多万元的案例。

Last year,CCTV"3 · 15"The party for the merchants bank disclosure(600036,guba)/Commercial bank staff to others sell customers personal information,Lead to bank customers money stolen,Causes a loss of more than 3000 yuan of the case.

　　与此同时(去年2月至4月间),江苏银行上海金桥支行在未与客户发生业务关系的情况下,查询了3.2万余人的个人信用报告,并将部分查询结果提供给宜信公司。

meanwhile(Last February to April),Jiangsu bank Shanghai jinqiao branch with the customer in not happen under the condition of the business relationship,Inquires the more than 32000 people's personal credit report,And will be part of the search results to provide appropriate letter company.

　　而在此前(2010年),香港多家银行将60万客户个人信息泄露给非关联的第三方,被泄露的客户资料包括姓名、身份证号码、联络方法和家庭地址等。

after(In 2010,),Many Hong Kong Banks will be 600000 customer personal information leakage to unrelated third parties,Revealed the customer information including name/Id card number/The contact method and family address, etc.

　　银行出售客户资料的行为,让很多客户也无奈。陈炳华说,自己问过银行,被对方一口否认,想维权,又没证据。

Banks to sell customer information behavior,Let a lot of customer also helpless.ChenBingHua said,His asked the bank,The other was a denied,Want to rights,And no evidence.

　　

利益驱动 客户信息可“批发” Interest drive customer information can be"wholesale"

　　

　　银行为何热衷于“出卖”客户个人信息? Why to the bank"betray"Customer personal information?

　　“主要是利益驱动。”某银行个贷部总经理胡珂怡说,现在很多咨询公司,做的就是P2P(个人对个人)信用贷款服务。在这个服务平台上,个人可以将自己的资金出借,获得利息收益。而有资金需求的个人也可以发布贷款需求,获得资金。

"Mainly is the benefit drive."A bank GeDai department general manager HuKe yi said,Now a lot of consulting company,Do is P2P(Person to person)Credit loan service.In this service platform,People can take money lending,Get interest income.And has the capital needs of the individual also can release loan demand,Receive money.

　　如果有人向服务平台贷款,公司要审核申请贷款者的征信情况,以此判断客户能否满足贷款条件。这个时候,咨询公司就得花钱向银行买客户的征信情况。

If someone to loan service platform,The company to verify the application of the reference case borrowers,To judge whether meet customer credit conditions.This time,Consulting company will have to spend money to buy the bank customer reference condition.

　　“这还只是定向收集客户信息。”胡珂怡说,如果咨询公司要招募有资金出借需求的客户,就会向银行“批发”一批有高额存款余额的客户信息,“比如存款额在50万元以上的。”

"It is only a directional collect customer information."HuKe yi said,If the consulting company to recruit a person has the capital needs of customers,Will the bank"wholesale"A number of high deposit balance of customer information,"Such as deposit for a savings account is in 500000 yuan of above."

　　据记者了解,目前个人征信情况,除了由本人持身份证到央行查询外,还有一种渠道能够查到,那就是各商业银行系统。但是按照规定,各商业银行是不能私自查询用户征信的。

According to reporter understanding,At present the individual credit conditions,In addition to by oneself the id card to the bank the inquires,Still have a kind of channel can be checked,That is the commercial bank system.But according to the regulation,Commercial Banks are not secretly inquires the user reference.

　　“如果有第三方代为查询,也必须要有本人的书面授权书。”某大型商业银行行长说,很多银行并没有遵循这一规定。

"If there is a third party to query,Also must want to have I written authorization."A large commercial bank President said,Many Banks did not follow this rule.

　　这位行长介绍,还有一些营销机构,为了推销自己的产品,通过银行购买用户名单,通过征信查询,筛选出有价值的客户,再进行更精准的产品推销。

The President is introduced,There are some marketing agencies,In order to sell their products,Through the bank to buy the user list,Through the reference inquires,Screen out valuable customers,Further more accurate product sales.

　　

银行与保险公司“分成” Banks and insurance companies"into"

　　事实上,“批发”客户信息只是银行牟利方式之一。银行还参与和保险公司的业务分成。

In fact,"wholesale"Customer information is one of the bank profit way.The bank also participation and the insurance company's business is divided into.

　　江北区市民张绍民就是被筛选出来的一位“幸运者”。

Jiangbei ZhangShaoMin citizens is screening out a"lucky".

　　前不久,他办了一张信用卡。“没想到被保险公司盯上了,每天都会接到保险推销电话。”当张绍民询问保险公司是怎么得到自己电话时,保险公司并不讳言,“是银行给的。”

Not long ago,He did a credit card."Thought is the insurance company does,Every day will receive insurance sales call."When ZhangShaoMin ask insurance company is how to get your phone,The insurance company is not the truth,"Is a bank to."

　　“这是保险公司和银行的合作。”一家保险公司的客户经理何正超告诉记者,保险公司向银行“拿”到“优质客户”信息,再电话推销保险产品。

"This is the insurance company and bank cooperation."An insurance company's customer manager HeZhengChao told reporters,The insurance company to the bank"take"to"clients"information,Then telemarketing insurance products.

　　据他介绍,由于我国个人信用系统还不完善,无论是个人还是机构,对于个人信息保密的意识还不强;在法律层面上,国家对于泄露个人信息的保护也不够,因此消费者常常在某个机构填1份表格后,就会收到众多的推销电话。

According to he introduced,Because our country personal credit system is not perfect,Whether individual or institution,For personal information confidential consciousness is not strong;In the legal level,Country to reveal personal information protection is also not enough,So consumers are often in a mechanism fill in a form,Will receive many telemarketing calls.

　　一位银行内部人士告诉记者,银行与保险等金融机构之间的确存在个人信息和信用记录交换的渠道。银行只需给保险公司提供一份优质客户信息名单,保险公司就在电话后台推销不同的保险产品,再根据实际销售结果给银行“分成”。

A bank insiders told reporters,Banking and insurance, and other financial institutions do exist between personal information and credit record exchange channels.The bank just to the insurance company to provide a high quality customer information list,The insurance company in telephone background selling different insurance products,Then according to the actual sales result to the bank"into".

　　

催账公司提成50% Push account company 50% commission

　　更有甚者,银行还将个人信息卖给“催账公司”,这使更多客户感到恐惧。

What is more,The bank will also sell personal information"Push account company",This makes more customers to feel fear.

　　2012年10月,南京多家银行公开承认与第三方催债公司合作向市民追债。

In October 2012,Nanjing Banks have publicly admitted with a third party dunning companies to make their citizens.

　　承载着国家金融稳定使命的银行,为什么要冒险请这些可能会危害到客户安全的追债公司办事呢?

Bearing the national financial stability mission of the bank,Why take the risk please these may be a danger to the safety of customer collection agency work?

　　“其实,这是很多银行的做法。”一家股份制银行的信用卡中心主任刘宇对记者说,一些客户欠款金额达不到法院规定的起诉金额,银行也无法通过直接有效的法律手段进行追债。这个时候,一些银行就与追债公司进行合作,“这种‘社会化’的催款方式,比较有效。”刘宇说。

"In fact,This is the practice of many Banks."A joint-stock bank credit card center director louie has an told reporters,Some customers credit amount can not reach the court ruled that the amount of the charges,The bank also can't through the effective legal means for collection.This time,Some bank collection company for cooperation,"this‘socialization’Way of payment,effective."Said louie has an.

　　“如果追债公司能够追回欠款,甚至可以拿到追得款项50%的提成。”刘宇说,催债公司为了经济利益还可能出现暴力催债的情况。“但银行一般会要求追债公司在使用过激方式追债时,不得留下可能损毁银行声誉的证据。”

"If you follow the debt the company to recover arrears,Can even to recover money 50% commission."Said louie has an,Dunning company in order to economic interests may also appear violence dunning situation."But the bank generally will require a collection agency in the use of ultra mode after the debt,Shall not leave the bank may damage the reputation of the evidence."

　　“如果银行将客户的家庭地址和电话号码提供给‘催债公司’,将是件很可怕的事。”张绍民说,银行泄露个人信息,急需制度性检讨和补救。

"If the bank will customer family address and telephone number to provide‘Dunning company’,Will is a very terrible thing."ZhangShaoMin said,Bank reveal personal information,Need institutional review and remedy.

　　

相关新闻 Related news

　　3月15日起 On March 15th

　　银行“出卖”个人信息可罚50万元 The bank"betray"Personal information can be sent 500000 yuan

　　本报记者 胡勇

Our reporter HuYong

　　近日,国务院颁布的《征信业管理条例》(以下简称《条例》),将于今年3月15日起正式施行。

recently,Issued by the state council[Credit reporting industry regulations](Hereinafter referred to as[regulations]),On March 15th and formal.

　　根据《条例》,非法获取信息、采集禁止采集的个人信息、未经同意采集个人信息、违法提供或者出售信息、因过失泄露信息、逾期不删除个人不良信息、未按规定对异议信息进行核查和处理的,征信机构、金融信用信息基础数据库运行机构将面临最高50万元罚款,直接责任人面临最高10万元罚款;造成损失的,依法承担民事责任,构成犯罪的依法追究刑事责任。

According to the[regulations],Illegal access to information/Acquisition banned collection personal information/Without the consent of collecting personal information/Illegal provide or sell information/For negligently divulges information/Fails to delete individual bad information/Not according to stipulations objection to verify the information and processing,agency/Financial credit information database operation mechanism will be faced with the highest a fine of RMB 500000 yuan,The highest directly face a fine of RMB 100000 yuan;Causes losses,Bear civil liability according to law,Constitute a crime shall be investigated for criminal responsibility according to law.

　　3月15日起,银行、保险等征信机构,除依法公开的个人信息外,采集个人信息应当经信息主体本人同意;除法律另有规定外,第三方向征信机构查询个人信息的,应当取得信息主体本人的书面同意并约定用途。

On March 15th,The bank/Insurance agency,In addition to the disclosure of personal information,The personal information collected shall be subject to the main body of the information I agree;Unless otherwise stipulated by the law,The third direction agency access to personal information,The main body of the information I shall obtain the written consent and the agreed purpose.

　　同时,《条例》还首次明确规定,征信机构禁止采集的个人信息包括:个人收入、存款、有价证券、不动产、纳税数额、宗教信仰、基因、指纹、血型、疾病和病史信息等。

At the same time,[regulations]For the first time clearly stipulates,Agency banned collecting personal information, including: personal income/deposit/securities/Real estate/Tax amount/Religious belief/gene/fingerprint/Blood type/Disease and history information, etc.