《征信业管理条例》将于3月15日实施

[Credit reporting industry regulations]Will come into effect on March 15

　　本报讯 （记者李婧暄）酝酿10年的《征信业管理条例》（以下简称《条例》）近日终于出台，昨日，央行官网发布了《条例》的具体内容，并将于3月15日正式实施。

Report from our correspondent (The reporter Li Jing Xuan)Brewing ten years[Credit reporting industry regulations](Hereinafter referred to as the[regulations])Has finally come,yesterday,The central bank's website[regulations]The specific content of,And will take effect on March 15.

　　新规：条例对设立条件等 The new rules:Regulations to set up conditions, etc

　　提出明确规定 Put forward specific provision

　　记者了解到，《条例》共分八章，分别对征信机构的设立条件、征信业务规则、异议和投诉、金融信用信息基础数据库、监督管理、法律责任等方面做出了规定。

The reporter understands,[regulations]Eight chapters,Set up the conditions to the credit bureaus/Credit business rules/Dissent and complaints/Financial credit information basic database/Supervision and management/Made provisions to legal liability, etc.

　　《条例》指出，设立经营个人征信业务的征信机构，应当符合《中华人民共和国公司法》规定的公司设立条件，并经国务院征信业监督管理部门批准，要求包括注册资本不少于人民币5000万元、有符合国务院征信业监督管理部门规定的保障信息安全的设施、设备和制度、措施等。

[regulations]Pointed out that,The establishment of personal credit business, credit reporting agencies,Shall conform to the[The company law of the People's Republic of China]Regulation of the company set up the conditions,And approved by the credit reporting industry supervisory and administrative department under the state council,Requirements including the registered capital of not less than RMB 50 million yuan/There are meet the requirements of the credit reporting industry supervisory and administrative department under the state council to ensure information security of the facility/Equipment and system/Measures such as.

　　征信业务是指对企业、事业单位等组织(以下统称企业)的信用信息和个人的信用信息进行采集、整理、保存、加工，并向信息使用者提供的活动。

Credit business is refers to the enterprise/Institutions and other groups(Hereinafter generally referred to as the enterprise)Credit and personal credit information in information acquisition/Tidy up/Save the/processing,And to provide information to the user.

　　亮点一：采集个人信息 One bright spot:Collecting personal information

　　须经本人同意 Shall be subject to the consent

　　随着社会的发展，金融领域的繁荣，个人信用报告与市民生活联系越来越密切。

With the development of the society,The prosperity of the financial sector,Personal credit reporting and the life of citizens is getting more and more closely.

　　记者了解到，《条例》对征信机构注册资金、设施、人员资质、登记等进行了严格规定，开具个人信用报告的机构必须持照经营，采集个人信息必须经过本人同意。他人向征信机构查询个人的信息，必须得到信息主体本人的书面同意并约定用途，征信机构不得违反规定提供个人信息，不得采集个人血型、疾病、指纹、存款、有价证券、商业保险、不动产的信息和纳税信息。

The reporter understands,[regulations]To the credit bureaus of registered capital/facilities/Personnel qualifications/Registration and so on has carried on the strict rules,Personal credit report issued by institutions must be licensed to operate,Collecting personal information must pass I agree.To the credit reporting agencies access to personal information of others,Must obtain information subject himself agreed to in writing and agreed purpose,Credit bureaus shall not violate the regulations to provide personal information,Must not collect individual blood group/disease/The fingerprint/deposit/Marketable securities/Commercial insurance/Real estate information and tax information.

　　亮点二：个人对信用报告享有异议、投诉等权利 Highlight 2:Personal credit report have objections/The complaints and other rights

　　据了解，《条例》的出台将更好地规范征信机构行为，维护个人权益。《条例》规定，今后个人可以每年免费查询两次自己的信用报告，不良征信记录保存的年限为5年，自不良行为或者事件终止之日起5年后删除。

We have learned,[regulations]Come on stage will better regulate the behavior of credit bureaus,Protect individual rights and interests.[regulations]provisions,In the future people can query for free twice a year own credit report,Bad credit records of fixed number of year for five years,Since the bad behavior or delete events after 5 years from the date of termination.

　　同时，按照规定，市民对自己的个人信用报告享有查询、异议和投诉等权利，对于侵犯自己合法权利的行为，市民可以依法向人民法院起诉。

At the same time,In accordance with the regulations,Citizens of their personal credit reports have query/The objection and complaints and other rights,To have infringed upon the legal rights of their behavior,Citizens can Sue to people court lawfully.

　　亮点三： Window 3:

　　征信机构须持照经营 Credit reporting agencies must be licensed to operate

　　此外，除了对征信机构，《条例》对银行、保险等信息提供者、信息使用者侵犯个人权益的，同样规定了严格的法律责任。

In addition,In addition to the credit bureaus,[regulations]To the bank/The information such as insurance providers/Infringement of personal rights and interests of information users,Also stipulated the strict legal responsibility.

　　《条例》明确,银行等向金融信用信息基础数据库提供或者查询信息的机构,如违法提供或者出售信息、因过失泄露信息、未经同意查询个人信息等,将面临最高50万元罚款,直接责任人面临最高10万元罚款,有违法所得的没收,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。

[regulations]clear,Such as Banks to provide financial credit information basic database or query information,Such as illegal information or sell/Due to the negligence leak information/Access to personal information without permission,Will face fines of up to 500000 yuan,Directly responsible face fines of up to 100000 yuan,With all its illegal incomes confiscated,The losses shall bear civil liability according to law,If the case constitutes a crime shall be investigated for criminal responsibility according to law.