人民银行官方指南:个人征信牌照申请审批流程全解析
日前央行发布《经营个人征信业务的征信机构审批事项服务指南》服务指南。对审批依据、受理机构、申请条件、禁止性要求等做了详细披露。
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该服务指南适用于设立经营个人征信业务的征信机构审批,个人征信机构董事、监事和高级管理人员任职资格核准,以及经营个人征信业务的征信机构设立分支机构、合并或者分立、变更注册资本、变更出资额占公司资本总额5%以上或者持股占公司股份5%以上的股东审批。
央行已在去年发放首张个人征信牌照。百行征信是目前中国人民银行批准的全国唯一一家拥有个人征信业务牌照的市场化个人征信机构,是专业从事个人信用信息采集、整理、保存和对外提供信用报告、反欺诈等各类征信服务的机构。目前百行征信已经上线启动了个人征信系统、特别关注名单平台和信息核验平台三款产品的上线验证测试工作。
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