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Order of the State Council
(No. 631)
The Regulation on the Administration of Credit Investigation Industry, as adopted at the 228th executive meeting of the State Council on December 26, 2012, is hereby issued, and shall come into force on March 15, 2013.
Premier: Wen Jiabao
January 21, 2013
Regulation on the Administration of Credit Investigation Industry
| | 國務院令
（第631號）
《征信業管理條例》已經2012年12月26日國務院第228次常務會議通過，現予公布，自2013年3月15日起施行。
總理 溫家寶
2013年1月21日
征信業管理條例
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Chapter I General Provisions
| | 第一章 總 則
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Article 1 This Regulation is made to regulate credit investigation activities, protect the legal rights and interests of the parties concerned, guide and promote the healthy development of credit investigation industry and enhance the building of the social credit system.
| | 第一條 為了規範征信活動，保護當事人合法權益，引導、促進征信業健康發展，推進社會信用體系建設，制定本條例。
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Article 2 This Regulation applies to credit investigation and the relevant activities carried out inside China.
For the purpose of this Regulation, the term “credit investigation” refers to activities of collecting, arranging, saving and processing the credit information of enterprises, public institutions and other organizations (hereinafter referred to as “enterprises”) as well as individuals, and providing it to information users.
The collection, arrangement, saving, processing and provision of information by the Basic Financial Credit Information Database formed by the state shall be governed by Chapter V of this Regulation.
This Regulation is not applicable when state organs, or organizations authorized by laws or regulations with the function of administering public affairs, collect, arrange, save, process and publish information of enterprises and individuals for the purpose of performing duties under laws, administrative regulations and the State Council provisions.
| | 第二條 在中國境內從事征信業務及相關活動，適用本條例。
本條例所稱征信業務，是指對企業、事業單位等組織（以下統稱企業）的信用信息和個人的信用信息進行采集、整理、保存、加工，並向信息使用者提供的活動。
國家設立的金融信用信息基礎數據庫進行信息的采集、整理、保存、加工和提供，適用本條例第五章規定。
國家機關以及法律、法規授權的具有管理公共事務職能的組織依照法律、行政法規和國務院的規定，為履行職責進行的企業和個人信息的采集、整理、保存、加工和公布，不適用本條例。
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Article 3 Those engaged in credit investigation and the relevant activities shall abide by laws and regulations and keep good faith, and may not endanger state secrets or infringe upon trade secrets or personal privacy.
| | 第三條 從事征信業務及相關活動，應當遵守法律法規，誠實守信，不得危害國家秘密，不得侵犯商業秘密和個人隱私。
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Article 4 The People's Bank of China (hereinafter referred to as “the supervisory and administrative department of credit investigation under the State Council”) and its local offices shall supervise and administer credit investigation industry by law.
The local people's governments at or above the county level and the relevant departments under the State Council shall enhance the building of social credit systems in the local regions and the relevant industries, develop the credit investigation market and promote the development of credit investigation industry.
| | 第四條 中國人民銀行（以下稱國務院征信業監督管理部門）及其派出機構依法對征信業進行監督管理。
縣級以上地方人民政府和國務院有關部門依法推進本地區、本行業的社會信用體系建設，培育征信市場，推動征信業發展。
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Chapter II Credit Investigation Institutions
| | 第二章 征信機構
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Article 5 For the purpose of this Regulation, the term “credit investigation institution” refers to legally formed institutions mainly engaged in credit investigation.
| | 第五條 本條例所稱征信機構，是指依法設立，主要經營征信業務的機構。
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Article 6 To form a credit investigation institution engaged in individual credit investigation, it is required to satisfy the following conditions in addition to those set forth by the Company Law of the People's Republic of China for the formation of companies, and obtain the approval of the supervisory and administrative department of credit investigation under the State Council:
| | 第六條 設立經營個人征信業務的征信機構，應當符合《中華人民共和國公司法》規定的公司設立條件和下列條件，並經國務院征信業監督管理部門批准：
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1. Its principal shareholders have a good credit standing and have no record of gross violations of laws or regulations in the last three years;
| | （一）主要股東信譽良好，最近3年無重大違法違規記錄；
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2. Its registered capital is not less than 50 million yuan;
| | （二）注冊資本不少于人民幣5000萬元；
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3. It is equipped with facilities, devices, systems and measures which satisfy the requirements of the supervisory and administrative department of credit investigation under the State Council to ensure information security;
| | （三）有符合國務院征信業監督管理部門規定的保障信息安全的設施、設備和制度、措施；
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4. Persons to be its directors, supervisors and senior managers satisfy the eligibility requirements as set forth by Article 8 of this Regulation; and
| | （四）擬任董事、監事和高級管理人員符合本條例第八條規定的任職條件；
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5. Other prudential conditions as set forth by the supervisory and administrative department of credit investigation under the State Council.
| | （五）國務院征信業監督管理部門規定的其他審慎性條件。
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Article 7 To apply for forming a credit investigation institution engaged in individual credit investigation, the applicant shall submit an application form and materials proving its satisfaction of conditions specified in Article 6 of this Regulation to the supervisory and administrative department of credit investigation under the State Council.
The supervisory and administrative department of credit investigation under the State Council shall examine the application by law, and make a decision of approval or disapproval within 60 days after accepting the application. In the case of approval, it shall issue an individual credit investigation business operation permit; in the case of disapproval, it shall give reasons in writing.
A credit investigation institution formed to operate individual credit investigation business upon approval shall handle registration formalities at the company registration organ on the basis of the individual credit investigation business operation permit.
No entity or individual may engage in individual credit investigation without the approval of the supervisory and administrative department of credit investigation under the State Council.
| | 第七條 申請設立經營個人征信業務的征信機構，應當向國務院征信業監督管理部門提交申請書和證明其符合本條例第六條規定條件的材料。
國務院征信業監督管理部門應當依法進行審查，自受理申請之日起60日內作出批准或者不予批准的決定。決定批准的，頒發個人征信業務經營許可證；不予批准的，應當書面說明理由。
經批准設立的經營個人征信業務的征信機構，憑個人征信業務經營許可證向公司登記機關辦理登記。
未經國務院征信業監督管理部門批准，任何單位和個人不得經營個人征信業務。
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Article 8 The directors, supervisors and senior managers of a credit investigation institution engaged in individual credit investigation shall be familiar with laws and regulations governing credit investigation, have experience and management ability required for performing duties in credit investigation industry, have no record of gross violations of laws or regulations in the last three years, and have the qualification ratified by the supervisory and administrative department of credit investigation under the State Council.
| | 第八條 經營個人征信業務的征信機構的董事、監事和高級管理人員，應當熟悉與征信業務相關的法律法規，具有履行職責所需的征信業從業經驗和管理能力，最近3年無重大違法違規記錄，並取得國務院征信業監督管理部門核准的任職資格。
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Article 9 For the formation of branch offices, merger or split, change of registered capital, or change of shareholders whose investment accounts for 5% or more of the total capital or shareholders holding shares accounting for 5% or more of the total shares, a credit investigation institution engaged in individual credit investigation shall obtain the approval of the supervisory and administrative department of credit investigation under the State Council.
For the change of name, a credit investigation institution engaged in individual credit investigation shall file it with the supervisory and administrative department of credit investigation under the State Council.
| | 第九條 經營個人征信業務的征信機構設立分支機構、合並或者分立、變更注冊資本、變更出資額占公司資本總額5%以上或者持股占公司股份5%以上的股東的，應當經國務院征信業監督管理部門批准。
經營個人征信業務的征信機構變更名稱的，應當向國務院征信業監督管理部門辦理備案。
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Article 10 To form a credit investigation institution engaged in enterprise credit investigation, it is required to satisfy conditions set forth by the Company Law of the People's Republic of China, and, on the basis of the following materials, handle filing formalities at the local office of the supervisory and administrative department of credit investigation under the State Council within 30 days after its registration is approved by the company registration organ:
| | 第十條 設立經營企業征信業務的征信機構，應當符合《中華人民共和國公司法》規定的設立條件，並自公司登記機關准予登記之日起30日內向所在地的國務院征信業監督管理部門派出機構辦理備案，並提供下列材料：
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1. its business license;
| | （一）營業執照；
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2. an explanation on its equity structure or organizational setup;
| | （二）股權結構、組織機構說明；
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3. basic information about its scope of business, business rules and business systems; and
| | （三）業務範圍、業務規則、業務系統的基本情況；
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4. information security and risk prevention measures.
For any change in matters to be filed, it is required to handle modification formalities at the original filing organ within 30 days as of the day of change.
| | （四）信息安全和風險防範措施。
備案事項發生變更的，應當自變更之日起30日內向原備案機構辦理變更備案。
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Article 11 Credit investigation institutions shall report their credit investigation business operations of the last year according to the requirements of the supervisory and administrative department of credit investigation under the State Council.
The supervisory and administrative department of credit investigation under the State Council shall announce the lists of credit investigation institutions engaged in individual credit investigation and those engaged in enterprise credit investigation to the general public, and update such lists betimes.
| | 第十一條 征信機構應當按照國務院征信業監督管理部門的規定，報告上一年度開展征信業務的情況。
國務院征信業監督管理部門應當向社會公告經營個人征信業務和企業征信業務的征信機構名單，並及時更新。
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Article 12 When a credit investigation institution is dissolved or lawfully declared bankrupt, it is required to report to the supervisory and administrative department of credit investigation under the State Council, and dispose of its information database in the following way:
| | 第十二條 征信機構解散或者被依法宣告破產的，應當向國務院征信業監督管理部門報告，並按照下列方式處理信息數據庫：
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1. transferring the database to another credit investigation institution if it has reached an agreement thereon with the said credit investigation institution and obtained the approval of the supervisory and administrative department of credit investigation under the State Council;
| | （一）與其他征信機構約定並經國務院征信業監督管理部門同意，轉讓給其他征信機構；
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2. transferring the database to a credit investigation institution designated by the supervisory and administrative department of credit investigation under the State Council when it fails to transfer the database in the way described in the preceding paragraph; or
| | （二）不能依照前項規定轉讓的，移交給國務院征信業監督管理部門指定的征信機構；
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3. destroying the database under the supervision of the supervisory and administrative department of credit investigation under the State Council when it fails to transfer the database in the way described in either of the preceding paragraphs.
When a credit investigation institution engaged in individual credit investigation is dissolved or lawfully declared bankrupt, it shall make an announcement at a medium designated by the supervisory and administrative department of credit investigation under the State Council, and surrender its individual credit investigation business operation permit to the supervisory and administrative department of credit investigation under the State Council for cancellation.
| | （三）不能依照前兩項規定轉讓、移交的，在國務院征信業監督管理部門的監督下銷毀。
經營個人征信業務的征信機構解散或者被依法宣告破產的，還應當在國務院征信業監督管理部門指定的媒體上公告，並將個人征信業務經營許可證交國務院征信業監督管理部門注銷。
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Chapter III Credit Investigation Rules
| | 第三章 征信業務規則
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Article 13 To collect personal information, it is required to obtain the consent of the subject of the information. Otherwise, it may not be collected, unless for information which should be disclosed under laws or administrative regulations.
Information about the performance of duties by directors, supervisors or senior managers of enterprises is not categorized as individual information.
| | 第十三條 采集個人信息應當經信息主體本人同意，未經本人同意不得采集。但是，依照法律、行政法規規定公開的信息除外。
企業的董事、監事、高級管理人員與其履行職務相關的信息，不作為個人信息。
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Article 14 Credit investigation institutions are prohibited to collect information about the religious belief, gene, fingerprints, blood type, disease or medical history of individuals, as well as other individual information the collection of which is prohibited by laws or administrative regulations.
Credit investigation institutions may not collect information about the income, deposit, negotiable securities, commercial insurance, real property or taxes of individuals, unless they have expressly informed the individuals concerned of the possible adverse consequences that may be brought along with the provision of such information and have obtained their written consent.
| | 第十四條 禁止征信機構采集個人的宗教信仰、基因、指紋、血型、疾病和病史信息以及法律、行政法規規定禁止采集的其他個人信息。
征信機構不得采集個人的收入、存款、有價證券、商業保險、不動產的信息和納稅數額信息。但是，征信機構明確告知信息主體提供該信息可能產生的不利後果，並取得其書面同意的除外。
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Article 15 Before providing bad information about an individual to a credit investigation institution, the provider shall inform the said individual, unless for bad information that should be disclosed under laws or administrative regulations.
．．．．．． | | 第十五條 信息提供者向征信機構提供個人不良信息，應當事先告知信息主體本人。但是，依照法律、行政法規規定公開的不良信息除外。
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