GB/T 34830.2-2021Collection specifications for credit information—Part 2: Contents (English PDF)

Foreword

This document is in accordance with the provisions of GB/T 1.1-2020 "Guidelines for Standardization Work Part 1: Structure and Drafting Rules of Standardization Documents" Drafting.

This document is the second part of GB/T 34830 "Credit Information Collection Specification". GB/T 34830 has released the following parts.

---Part 1: General Provisions;

---Part 2: Content.

Introduction

The collection of credit information is the primary link in the construction of the credit investigation system. The ultimate goal of collecting credit information is People and other organizations conduct credit analysis to predict, prevent and control credit risks scientifically and accurately. GB/T 34830 "Credit Information Collection Regulations The "Fan" aims to further strengthen and standardize the collection of credit information for individuals or organizations, promote the promotion and application of credit information, and improve personal or organizational credit information.

Organizational credit information sharing degree, and standardize credit information management. GB/T 34830 is intended to be composed of three parts.

---Part 1: General Provisions. The purpose is to clarify the basic principles and basic requirements to be followed when collecting credit information.

---Part 2: Content. The purpose is to unify and standardize the categories and types of credit information collection for natural persons, legal persons and other organizations. content.

---Part 3: Safety. The purpose is to clarify the security technical requirements that should be followed in the process of collecting credit information.

This document is Part 2 of GB/T 34830. At present, various credit information collection, management and service agencies are dealing with natural persons, legal persons and When collecting credit information from other organizations, a unified understanding of the content of the collected information has not yet formed, resulting in the collection of credit information.

Tolerate chaos and disorder. The preparation of this document can unify and standardize the content of credit information collection for natural persons, legal persons and other Credit information sharing and exchange between institutions, as well as the construction of credit information systems provide support. Credit Information Collection Specification Part 2: Content

1 Scope

This document specifies general requirements, credit information categories, content of credit information collection, and data management and maintenance.

This document is applicable to all types of credit information collection, management and service agencies, including credit authorities and third-party credit service agencies.

Collect and share the credit information of natural persons, legal persons and other organizations, and build credit information systems.

2 Normative references

The contents of the following documents constitute the indispensable clauses of this document through normative references in the text. Among them, dated quotations Only the version corresponding to that date is applicable to this document; for undated reference documents, the latest version (including all amendments) is applicable to this document.

GB/T 22117 Basic Terms of Credit

GB 32100 Legal persons and other organizations unified social credit code coding rules

GB/T 34830.1 Credit Information Collection Specification Part 1: General Provisions

3 Terms and definitions

The terms and definitions defined in GB/T 22117, GB 32100 and GB/T 34830.1 apply to this document.

4 General requirements

This document only describes and defines the categories and content of credit information collection for natural persons, legal persons, and other organizations.

Collective activities should not endanger state secrets, infringe on commercial secrets and personal privacy.

When relevant agencies are engaged in credit information collection activities, they should also follow the basic principles and requirements specified in GB/T 34830.1.

When documents collect and organize their own credit information, they can reasonably set, refine or expand the credit information according to the characteristics and needs of their own business fields.

The content of the information collection. Information on personal income, deposits, securities, commercial insurance, real estate, and tax amount information should be obtained from the main It can only be collected after the written consent.

The content of credit information collection mentioned in Chapter 6 refers to objective information, excluding subjective information.

5 Types of Credit Information

Information categories include basic registration, public credit, operation and finance, financial credit, social evaluation, and others.

Among the basic registration information, the basic registration information of natural persons includes identification information, family status information, political profile information, and occupational information.

Industry information and education information; basic registration information for legal persons and other organizations includes subject identification information, equity structure information, and senior management Member information and related organization information.

Public credit information includes administrative license information, administrative penalty information, administrative compulsory information, administrative collection information, administrative payment information, Administrative inspection information, administrative confirmation information, administrative reward information, administrative ruling information, other types of administrative information, judicial information, social security information Information, housing provident fund payment information, financial funding information, public utility payment information, social welfare activities information, joint incentive information and