KYB CHINA(2012年12月26日国务院第228次常务会议通过 2013年1月21日中华人民共和国国务院令第631号公布 自2013年3月15日起施行)
(Adopted at the 228th executive meeting of the State Council on December 26, 2012, promulgated by Order No. 631 of the State Council of the People's Republic of China on January 21, 2013, and effective as of March 15, 2013)
总则
General Provisions
为了规范征信活动，保护当事人合法权益，引导、促进征信业健康发展，推进社会信用体系建设，制定本条例。
This Regulation is formulated to regulate credit reporting activities, protect the legitimate rights and interests of parties, guide and promote the healthy development of the credit reporting industry, and advance the construction of the social credit system.
在中国境内从事征信业务及相关活动，适用本条例。
This Regulation applies to the engagement in credit reporting business and related activities within the territory of China.
本条例所称征信业务，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。
For the purposes of this Regulation, "credit reporting business" refers to the activities of collecting, organizing, storing, processing, and providing to information users the credit information of enterprises, public institutions, and other organizations (hereinafter collectively referred to as "enterprises") and the credit information of individuals.
国家设立的金融信用信息基础数据库进行信息的采集、整理、保存、加工和提供，适用本条例第五章规定。
The collection, organization, storage, processing, and provision of information by the national financial credit information basic database established by the state shall be governed by the provisions of Chapter V of this Regulation.
国家机关以及法律、法规授权的具有管理公共事务职能的组织依照法律、行政法规和国务院的规定，为履行职责进行的企业和个人信息的采集、整理、保存、加工和公布，不适用本条例。
The collection, organization, storage, processing, and publication of enterprise and individual information by state organs and organizations authorized by laws and regulations to manage public affairs, in accordance with laws, administrative regulations, and the provisions of the State Council for the performance of their duties, shall not be subject to this Regulation.
从事征信业务及相关活动，应当遵守法律法规，诚实守信，不得危害国家秘密，不得侵犯商业秘密和个人隐私。
Engaging in credit reporting business and related activities shall comply with laws and regulations, be honest and trustworthy, and shall not harm state secrets, infringe upon trade secrets, or violate personal privacy.
中国人民银行(以下称国务院征信业监督管理部门)及其派出机构依法对征信业进行监督管理。
The People's Bank of China (hereinafter referred to as the credit reporting regulatory authority of the State Council) and its dispatched agencies shall supervise and administer the credit reporting industry in accordance with the law.
县级以上地方人民政府和国务院有关部门依法推进本地区、本行业的社会信用体系建设，培育征信市场，推动征信业发展。
Local people's governments at or above the county level and relevant departments of the State Council shall, in accordance with the law, promote the construction of the social credit system in their respective regions and industries, cultivate the credit reporting market, and promote the development of the credit reporting industry.
征信机构
Credit Reporting Agencies
本条例所称征信机构，是指依法设立，主要经营征信业务的机构。
For the purposes of these Regulations, a credit reporting agency refers to an institution established in accordance with the law that primarily engages in credit reporting business.
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和下列条件，并经国务院征信业监督管理部门批准：
The establishment of a credit reporting agency that engages in personal credit reporting business shall meet the conditions for company establishment stipulated in the Company Law of the People's Republic of China and the following conditions, and shall be approved by the credit reporting regulatory department of the State Council:
(一)主要股东信誉良好，最近3年无重大违法违规记录；
(1) The major shareholders have good reputation and have no record of major violations of laws or regulations in the past three years;
(二)注册资本不少于人民币5000万元；
(2) The registered capital shall be no less than RMB 50 million yuan;
(三)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；
(3) There are facilities, equipment, systems, and measures for ensuring information security as stipulated by the credit reporting regulatory department of the State Council;
(四)拟任董事、监事和高级管理人员符合本条例第八条规定的任职条件；
(4) The proposed directors, supervisors, and senior management personnel meet the qualification requirements stipulated in Article 8 of these Regulations;
(五)国务院征信业监督管理部门规定的其他审慎性条件。
(5) Other prudential conditions stipulated by the credit reporting regulatory department of the State Council.
申请设立经营个人征信业务的征信机构，应当向国务院征信业监督管理部门提交申请书和证明其符合本条例第六条规定条件的材料。
An application for establishing a credit reporting agency that engages in personal credit reporting business shall submit an application letter and materials proving that it meets the conditions stipulated in Article 6 of these Regulations to the credit reporting regulatory department of the State Council.
国务院征信业监督管理部门应当依法进行审查，自受理申请之日起60日内作出批准或者不予批准的决定。决定批准的，颁发个人征信业务经营许可证；不予批准的，应当书面说明理由。
The credit reporting regulatory department of the State Council shall conduct a review in accordance with the law and make a decision to approve or disapprove within 60 days from the date of accepting the application. If approved, a personal credit reporting business license shall be issued; if disapproved, the reasons shall be provided in writing.
经批准设立的经营个人征信业务的征信机构，凭个人征信业务经营许可证向公司登记机关办理登记。
A credit reporting agency that has been approved to operate personal credit reporting business shall, by virtue of the personal credit reporting business license, register with the company registration authority.
未经国务院征信业监督管理部门批准，任何单位和个人不得经营个人征信业务。
Without the approval of the credit reporting regulatory department of the State Council, no unit or individual may operate personal credit reporting business.
经营个人征信业务的征信机构的董事、监事和高级管理人员，应当熟悉与征信业务相关的法律法规，具有履行职责所需的征信业从业经验和管理能力，最近3年无重大违法违规记录，并取得国务院征信业监督管理部门核准的任职资格。
The directors, supervisors, and senior management of a credit reporting agency operating personal credit reporting business shall be familiar with laws and regulations related to credit reporting, have the necessary experience in the credit reporting industry and management ability to perform their duties, have no record of major violations of laws or regulations in the last three years, and have obtained the qualification approval from the credit reporting regulatory department of the State Council.
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%以上的股东的，应当经国务院征信业监督管理部门批准。
A credit reporting agency operating personal credit reporting business that establishes a branch, merges or splits, changes its registered capital, or changes shareholders whose capital contribution accounts for more than 5% of the company's total capital or whose shareholding accounts for more than 5% of the company's shares shall obtain approval from the credit reporting regulatory department of the State Council.
经营个人征信业务的征信机构变更名称的，应当向国务院征信业监督管理部门办理备案。
A credit reporting agency operating personal credit reporting business that changes its name shall file with the credit reporting regulatory department of the State Council.
设立经营企业征信业务的征信机构，应当符合《中华人民共和国公司法》规定的设立条件，并自公司登记机关准予登记之日起30日内向所在地的国务院征信业监督管理部门派出机构办理备案，并提供下列材料：
The establishment of a credit reporting agency operating enterprise credit reporting business shall meet the conditions for establishment stipulated in the Company Law of the People's Republic of China, and shall, within 30 days from the date of approval of registration by the company registration authority, file with the local office of the credit reporting regulatory department of the State Council, and provide the following materials:
(一)营业执照；
(1) Business license;
(二)股权结构、组织机构说明；
(2) Explanation of equity structure and organizational structure;
(三)业务范围、业务规则、业务系统的基本情况；
(3) Basic information on business scope, business rules, and business systems;
(四)信息安全和风险防范措施。
(4) Information security and risk prevention measures.
备案事项发生变更的，应当自变更之日起30日内向原备案机构办理变更备案。
If the filing items change, the change filing shall be handled with the original filing authority within 30 days from the date of change.
征信机构应当按照国务院征信业监督管理部门的规定，报告上一年度开展征信业务的情况。
A credit reporting agency shall, in accordance with the provisions of the credit reporting regulatory department of the State Council, report its credit reporting business activities in the previous year.
国务院征信业监督管理部门应当向社会公告经营个人征信业务和企业征信业务的征信机构名单，并及时更新。
The credit reporting regulatory department of the State Council shall publicly announce the list of credit reporting agencies that operate personal credit reporting business and enterprise credit reporting business, and update it in a timely manner.
征信机构解散或者被依法宣告破产的，应当向国务院征信业监督管理部门报告，并按照下列方式处理信息数据库：
If a credit reporting agency is dissolved or declared bankrupt according to law, it shall report to the credit reporting regulatory department of the State Council and handle the information database in the following manner:
(一)与其他征信机构约定并经国务院征信业监督管理部门同意，转让给其他征信机构；
(1) Transfer to another credit reporting agency as agreed with that agency and with the consent of the credit reporting regulatory department of the State Council;
(二)不能依照前项规定转让的，移交给国务院征信业监督管理部门指定的征信机构；
(2) If transfer cannot be made in accordance with the preceding paragraph, hand over to a credit reporting agency designated by the credit reporting regulatory department of the State Council;
(三)不能依照前两项规定转让、移交的，在国务院征信业监督管理部门的监督下销毁。
(3) If transfer or handover cannot be made in accordance with the preceding two paragraphs, destroy under the supervision of the credit reporting regulatory department of the State Council.
经营个人征信业务的征信机构解散或者被依法宣告破产的，还应当在国务院征信业监督管理部门指定的媒体上公告，并将个人征信业务经营许可证交国务院征信业监督管理部门注销。
If a credit reporting agency operating personal credit reporting business is dissolved or declared bankrupt according to law, it shall also make a public announcement on a media outlet designated by the credit reporting regulatory department of the State Council, and submit the personal credit reporting business license to the credit reporting regulatory department of the State Council for cancellation.
征信业务规则
Credit Reporting Business Rules
采集个人信息应当经信息主体本人同意，未经本人同意不得采集。但是，依照法律、行政法规规定公开的信息除外。
The collection of personal information shall be subject to the consent of the information subject; no collection shall be made without the consent of the subject. However, this does not apply to information that is publicly disclosed in accordance with laws and administrative regulations.
企业的董事、监事、高级管理人员与其履行职务相关的信息，不作为个人信息。
Information relating to the performance of duties by directors, supervisors, and senior management personnel of an enterprise shall not be considered personal information.
禁止征信机构采集个人的宗教信仰、基因、指纹、血型、疾病和病史信息以及法律、行政法规规定禁止采集的其他个人信息。
Credit reporting agencies are prohibited from collecting personal information such as religious belief, genetic information, fingerprints, blood type, diseases and medical history, as well as other personal information prohibited by laws and administrative regulations.
征信机构不得采集个人的收入、存款、有价证券、商业保险、不动产的信息和纳税数额信息。但是，征信机构明确告知信息主体提供该信息可能产生的不利后果，并取得其书面同意的除外。
Credit reporting agencies shall not collect information on an individual's income, deposits, securities, commercial insurance, real estate, or tax payment amounts, unless the agency clearly informs the data subject of the potential adverse consequences of providing such information and obtains the data subject's written consent.
信息提供者向征信机构提供个人不良信息，应当事先告知信息主体本人。但是，依照法律、行政法规规定公开的不良信息除外。
Information providers that provide adverse personal information to credit reporting agencies shall inform the data subject in advance, except for adverse information that is publicly disclosed in accordance with laws and administrative regulations.
征信机构对个人不良信息的保存期限，自不良行为或者事件终止之日起为5年；超过5年的，应当予以删除。
The retention period for adverse personal information by credit reporting agencies shall be five years from the date of termination of the adverse act or event; information exceeding five years shall be deleted.
在不良信息保存期限内，信息主体可以对不良信息作出说明，征信机构应当予以记载。
During the retention period of adverse information, the data subject may provide an explanation regarding the adverse information, and the credit reporting agency shall record it.
信息主体可以向征信机构查询自身信息。个人信息主体有权每年两次免费获取本人的信用报告。
Data subjects may inquire about their own information from credit reporting agencies. Individuals have the right to obtain their own credit report free of charge twice per year.
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。但是，法律规定可以不经同意查询的除外。
To inquire about personal information from a credit reporting agency, the written consent of the data subject shall be obtained and the purpose of use shall be specified, except where the law permits inquiry without consent.
征信机构不得违反前款规定提供个人信息。
Credit reporting agencies shall not provide personal information in violation of the preceding paragraph.
征信机构或者信息提供者、信息使用者采用格式合同条款取得个人信息主体同意的，应当在合同中作出足以引起信息主体注意的提示，并按照信息主体的要求作出明确说明。
When credit reporting agencies, information providers, or information users obtain consent from data subjects through standard form contracts, they shall include prompts in the contract that are sufficient to attract the data subject's attention and shall provide clear explanations upon the data subject's request.
信息使用者应当按照与个人信息主体约定的用途使用个人信息，不得用作约定以外的用途，不得未经个人信息主体同意向第三方提供。
Information users shall use personal information in accordance with the purposes agreed with the personal information subject, and shall not use it for purposes other than those agreed, nor provide it to a third party without the consent of the personal information subject.
征信机构可以通过信息主体、企业交易对方、行业协会提供信息，政府有关部门依法已公开的信息，人民法院依法公布的判决、裁定等渠道，采集企业信息。
Credit reporting agencies may collect enterprise information through channels such as information provided by the information subject, enterprise transaction counterparties, industry associations, information already publicly disclosed by relevant government departments in accordance with the law, and judgments and rulings publicly announced by the people's courts in accordance with the law.
征信机构不得采集法律、行政法规禁止采集的企业信息。
Credit reporting agencies shall not collect enterprise information that is prohibited from collection by laws or administrative regulations.
征信机构应当按照国务院征信业监督管理部门的规定，建立健全和严格执行保障信息安全的规章制度，并采取有效技术措施保障信息安全。
Credit reporting agencies shall, in accordance with the provisions of the regulatory authority of the State Council for the credit reporting industry, establish, improve, and strictly implement rules and regulations for ensuring information security, and adopt effective technical measures to ensure information security.
经营个人征信业务的征信机构应当对其工作人员查询个人信息的权限和程序作出明确规定，对工作人员查询个人信息的情况进行登记，如实记载查询工作人员的姓名，查询的时间、内容及用途。工作人员不得违反规定的权限和程序查询信息，不得泄露工作中获取的信息。
Credit reporting agencies engaged in personal credit reporting business shall clearly define the permissions and procedures for their staff to access personal information, register the access to personal information by staff, and truthfully record the name of the accessing staff member, the time, content, and purpose of the access. Staff members shall not access information in violation of the prescribed permissions and procedures, nor disclose information obtained in the course of work.
征信机构应当采取合理措施，保障其提供信息的准确性。
Credit reporting agencies shall take reasonable measures to ensure the accuracy of the information they provide.
征信机构提供的信息供信息使用者参考。
The information provided by credit reporting agencies is for reference by information users.
征信机构在中国境内采集的信息的整理、保存和加工，应当在中国境内进行。
The sorting, storage, and processing of information collected by credit reporting agencies within the territory of China shall be conducted within the territory of China.
征信机构向境外组织或者个人提供信息，应当遵守法律、行政法规和国务院征信业监督管理部门的有关规定。
Where credit reporting agencies provide information to organizations or individuals outside the territory of China, they shall comply with the relevant provisions of laws, administrative regulations, and the regulatory authority of the State Council for the credit reporting industry.
异议和投诉
Objections and Complaints
信息主体认为征信机构采集、保存、提供的信息存在错误、遗漏的，有权向征信机构或者信息提供者提出异议，要求更正。
If a data subject believes that the information collected, stored, or provided by a credit reporting agency contains errors or omissions, they have the right to raise an objection with the credit reporting agency or the information provider and request a correction.
征信机构或者信息提供者收到异议，应当按照国务院征信业监督管理部门的规定对相关信息作出存在异议的标注，自收到异议之日起20日内进行核查和处理，并将结果书面答复异议人。
Upon receiving an objection, the credit reporting agency or information provider shall mark the relevant information as disputed in accordance with the regulations of the State Council's credit reporting supervisory authority, conduct verification and processing within 20 days from the date of receiving the objection, and provide a written reply to the objector.
经核查，确认相关信息确有错误、遗漏的，信息提供者、征信机构应当予以更正；确认不存在错误、遗漏的，应当取消异议标注；经核查仍不能确认的，对核查情况和异议内容应当予以记载。
After verification, if the relevant information is confirmed to be erroneous or omitted, the information provider or credit reporting agency shall correct it; if no error or omission is confirmed, the dispute mark shall be removed; if confirmation is still not possible after verification, the verification situation and the content of the objection shall be recorded.
信息主体认为征信机构或者信息提供者、信息使用者侵害其合法权益的，可以向所在地的国务院征信业监督管理部门派出机构投诉。
If a data subject believes that a credit reporting agency, information provider, or information user has infringed upon their lawful rights and interests, they may file a complaint with the local dispatched agency of the State Council's credit reporting supervisory authority.
受理投诉的机构应当及时进行核查和处理，自受理之日起30日内书面答复投诉人。
The agency that accepts the complaint shall promptly conduct verification and processing, and provide a written reply to the complainant within 30 days from the date of acceptance.
信息主体认为征信机构或者信息提供者、信息使用者侵害其合法权益的，可以直接向人民法院起诉。
If a data subject believes that a credit reporting agency, information provider, or information user has infringed upon their lawful rights and interests, they may directly file a lawsuit with the people's court.
金融信用信息基础数据库
Financial Credit Information Basic Database
国家设立金融信用信息基础数据库，为防范金融风险、促进金融业发展提供相关信息服务。
The state establishes a financial credit information basic database to provide relevant information services for preventing financial risks and promoting the development of the financial industry.
金融信用信息基础数据库由专业运行机构建设、运行和维护。该运行机构不以营利为目的，由国务院征信业监督管理部门监督管理。
The financial credit information basic database shall be constructed, operated, and maintained by a professional operating institution. This operating institution shall be non-profit and supervised by the State Council's credit reporting supervisory authority.
金融信用信息基础数据库接收从事信贷业务的机构按照规定提供的信贷信息。
The financial credit information basic database receives credit information provided by institutions engaged in credit business in accordance with regulations.
金融信用信息基础数据库为信息主体和取得信息主体本人书面同意的信息使用者提供查询服务。国家机关可以依法查询金融信用信息基础数据库的信息。
The financial credit information basic database provides query services for information subjects and information users who have obtained the written consent of the information subject. State organs may query the information in the financial credit information basic database in accordance with the law.
从事信贷业务的机构应当按照规定向金融信用信息基础数据库提供信贷信息。
Institutions engaged in credit business shall provide credit information to the financial credit information basic database in accordance with the provisions.
从事信贷业务的机构向金融信用信息基础数据库或者其他主体提供信贷信息，应当事先取得信息主体的书面同意，并适用本条例关于信息提供者的规定。
Institutions engaged in credit business that provide credit information to the financial credit information basic database or other entities shall obtain the written consent of the information subject in advance and shall apply the provisions of this Regulation concerning information providers.
不从事信贷业务的金融机构向金融信用信息基础数据库提供、查询信用信息以及金融信用信息基础数据库接收其提供的信用信息的具体办法，由国务院征信业监督管理部门会同国务院有关金融监督管理机构依法制定。
The specific measures for financial institutions not engaged in credit business to provide and query credit information to the financial credit information basic database, and for the financial credit information basic database to receive the credit information provided by them, shall be formulated by the credit reporting regulatory authority of the State Council jointly with the relevant financial regulatory authorities of the State Council in accordance with the law.
金融信用信息基础数据库运行机构可以按照补偿成本原则收取查询服务费用，收费标准由国务院价格主管部门规定。
The operating institution of the financial credit information basic database may charge fees for query services based on the principle of cost compensation, and the fee standards shall be stipulated by the price authority of the State Council.
本条例第十四条、第十六条、第十七条、第十八条、第二十二条、第二十三条、第二十四条、第二十五条、第二十六条适用于金融信用信息基础数据库运行机构。
Articles 14, 16, 17, 18, 22, 23, 24, 25, and 26 of this Regulation shall apply to the operating institution of the financial credit information basic database.
监督管理
Supervision and Administration
国务院征信业监督管理部门及其派出机构依照法律、行政法规和国务院的规定，履行对征信业和金融信用信息基础数据库运行机构的监督管理职责，可以采取下列监督检查措施：
The credit reporting regulatory authority of the State Council and its dispatched agencies shall, in accordance with laws, administrative regulations, and the provisions of the State Council, perform the duties of supervision and administration over the credit reporting industry and the operating institution of the financial credit information basic database, and may take the following supervision and inspection measures:
(一)进入征信机构、金融信用信息基础数据库运行机构进行现场检查，对向金融信用信息基础数据库提供或者查询信息的机构遵守本条例有关规定的情况进行检查；
(1) Enter the credit reporting institution or the operating institution of the financial credit information basic database to conduct on-site inspections, and inspect the compliance of institutions that provide or query information to the financial credit information basic database with the relevant provisions of this Regulation;
(二)询问当事人和与被调查事件有关的单位和个人，要求其对与被调查事件有关的事项作出说明；
(2) Inquire the parties and the units and individuals related to the investigated incident, and require them to make explanations on matters related to the investigated incident;
(三)查阅、复制与被调查事件有关的文件、资料，对可能被转移、销毁、隐匿或者篡改的文件、资料予以封存；
(3) To review and copy documents and materials related to the investigated incident, and to seal up documents and materials that may be transferred, destroyed, concealed, or tampered with;
(四)检查相关信息系统。
(4) To inspect relevant information systems.
进行现场检查或者调查的人员不得少于2人，并应当出示合法证件和检查、调查通知书。
No fewer than two persons shall conduct on-site inspections or investigations, and they shall present lawful credentials and inspection or investigation notices.
被检查、调查的单位和个人应当配合，如实提供有关文件、资料，不得隐瞒、拒绝和阻碍。
The entities and individuals under inspection or investigation shall cooperate, truthfully provide relevant documents and materials, and shall not conceal, refuse, or obstruct.
经营个人征信业务的征信机构、金融信用信息基础数据库、向金融信用信息基础数据库提供或者查询信息的机构发生重大信息泄露等事件的，国务院征信业监督管理部门可以采取临时接管相关信息系统等必要措施，避免损害扩大。
Where a credit reporting agency operating personal credit reporting business, a financial credit information basic database, or an institution that provides or queries information to or from a financial credit information basic database experiences a major information leakage incident, the credit reporting industry supervision and administration department of the State Council may take necessary measures such as temporarily taking over the relevant information systems to avoid the expansion of damage.
国务院征信业监督管理部门及其派出机构的工作人员对在工作中知悉的国家秘密和信息主体的信息，应当依法保密。
Staff members of the credit reporting industry supervision and administration department of the State Council and its local offices shall keep confidential, in accordance with the law, state secrets and information of information subjects that they become aware of in the course of their work.
法律责任
Legal Liability
未经国务院征信业监督管理部门批准，擅自设立经营个人征信业务的征信机构或者从事个人征信业务活动的，由国务院征信业监督管理部门予以取缔，没收违法所得，并处5万元以上50万元以下的罚款；构成犯罪的，依法追究刑事责任。
Where a credit reporting agency operating personal credit reporting business is established without approval from the credit reporting industry supervision and administration department of the State Council, or where personal credit reporting business activities are conducted without approval, the credit reporting industry supervision and administration department of the State Council shall ban it, confiscate illegal gains, and impose a fine of not less than 50,000 yuan but not more than 500,000 yuan; if a crime is constituted, criminal liability shall be pursued in accordance with the law.
经营个人征信业务的征信机构违反本条例第九条规定的，由国务院征信业监督管理部门责令限期改正，对单位处2万元以上20万元以下的罚款；对直接负责的主管人员和其他直接责任人员给予警告，处1万元以下的罚款。
Where a credit reporting agency operating personal credit reporting business violates the provisions of Article 9 of these Regulations, the credit reporting industry supervision and administration department of the State Council shall order it to make corrections within a specified period, and impose a fine of not less than 20,000 yuan but not more than 200,000 yuan on the entity; and give a warning and impose a fine of not more than 10,000 yuan on the directly responsible person in charge and other directly responsible persons.
经营企业征信业务的征信机构未按照本条例第十条规定办理备案的，由其所在地的国务院征信业监督管理部门派出机构责令限期改正；逾期不改正的，依照前款规定处罚。
Where a credit reporting agency operating enterprise credit reporting business fails to complete the filing in accordance with Article 10 of these Regulations, the local office of the credit reporting industry supervision and administration department of the State Council shall order it to make corrections within a specified period; if it fails to make corrections within the specified period, it shall be punished in accordance with the provisions of the preceding paragraph.
征信机构、金融信用信息基础数据库运行机构违反本条例规定，有下列行为之一的，由国务院征信业监督管理部门或者其派出机构责令限期改正，对单位处5万元以上50万元以下的罚款；对直接负责的主管人员和其他直接责任人员处1万元以上10万元以下的罚款；有违法所得的，没收违法所得。给信息主体造成损失的，依法承担民事责任；构成犯罪的，依法追究刑事责任：
If a credit reporting agency or a financial credit information database operator violates these regulations by committing any of the following acts, the State Council credit reporting regulatory authority or its dispatched agencies shall order correction within a specified period, impose a fine of not less than 50,000 yuan but not more than 500,000 yuan on the entity; impose a fine of not less than 10,000 yuan but not more than 100,000 yuan on the directly responsible supervisor and other directly responsible personnel; confiscate any illegal gains if any. If losses are caused to the information subject, civil liability shall be borne according to law; if a crime is constituted, criminal liability shall be pursued according to law:
(一)窃取或者以其他方式非法获取信息；
(1) Stealing or otherwise illegally obtaining information;
(二)采集禁止采集的个人信息或者未经同意采集个人信息；
(2) Collecting prohibited personal information or collecting personal information without consent;
(三)违法提供或者出售信息；
(3) Illegally providing or selling information;
(四)因过失泄露信息；
(4) Leaking information due to negligence;
(五)逾期不删除个人不良信息；
(5) Failing to delete adverse personal information within the prescribed period;
(六)未按照规定对异议信息进行核查和处理；
(6) Failing to verify and handle disputed information in accordance with regulations;
(七)拒绝、阻碍国务院征信业监督管理部门或者其派出机构检查、调查或者不如实提供有关文件、资料；
(7) Refusing or obstructing inspection or investigation by the State Council credit reporting regulatory authority or its dispatched agencies, or failing to truthfully provide relevant documents or materials;
(八)违反征信业务规则，侵害信息主体合法权益的其他行为。
(8) Other acts that violate credit reporting business rules and infringe upon the lawful rights and interests of information subjects.
经营个人征信业务的征信机构有前款所列行为之一，情节严重或者造成严重后果的，由国务院征信业监督管理部门吊销其个人征信业务经营许可证。
If a credit reporting agency operating personal credit reporting business commits any of the acts listed in the preceding paragraph, and the circumstances are serious or cause serious consequences, the State Council credit reporting regulatory authority shall revoke its personal credit reporting business license.
征信机构违反本条例规定，未按照规定报告其上一年度开展征信业务情况的，由国务院征信业监督管理部门或者其派出机构责令限期改正；逾期不改正的，对单位处2万元以上10万元以下的罚款；对直接负责的主管人员和其他直接责任人员给予警告，处1万元以下的罚款。
If a credit reporting agency violates these regulations by failing to report its previous year's credit reporting business as required, the State Council credit reporting industry supervision and administration department or its dispatched agencies shall order it to make corrections within a specified period; if it fails to make corrections within the period, the unit shall be fined not less than 20,000 yuan but not more than 100,000 yuan; the directly responsible supervisor and other directly responsible personnel shall be given a warning and fined not more than 10,000 yuan.
向金融信用信息基础数据库提供或者查询信息的机构违反本条例规定，有下列行为之一的，由国务院征信业监督管理部门或者其派出机构责令限期改正，对单位处5万元以上50万元以下的罚款；对直接负责的主管人员和其他直接责任人员处1万元以上10万元以下的罚款；有违法所得的，没收违法所得。给信息主体造成损失的，依法承担民事责任；构成犯罪的，依法追究刑事责任：
If an institution that provides or inquires about information to the financial credit information basic database violates these regulations by committing any of the following acts, the State Council credit reporting industry supervision and administration department or its dispatched agencies shall order it to make corrections within a specified period, and the unit shall be fined not less than 50,000 yuan but not more than 500,000 yuan; the directly responsible supervisor and other directly responsible personnel shall be fined not less than 10,000 yuan but not more than 100,000 yuan; any illegal gains shall be confiscated. If losses are caused to the information subject, civil liability shall be borne according to law; if a crime is constituted, criminal liability shall be pursued according to law:
(一)违法提供或者出售信息；
(1) Illegally providing or selling information;
(二)因过失泄露信息；
(2) Negligently disclosing information;
(三)未经同意查询个人信息或者企业的信贷信息；
(3) Inquiring about personal information or enterprise credit information without consent;
(四)未按照规定处理异议或者对确有错误、遗漏的信息不予更正；
(4) Failing to handle objections as required or failing to correct information that is indeed erroneous or omitted;
(五)拒绝、阻碍国务院征信业监督管理部门或者其派出机构检查、调查或者不如实提供有关文件、资料。
(5) Refusing or obstructing inspection or investigation by the State Council credit reporting industry supervision and administration department or its dispatched agencies, or failing to truthfully provide relevant documents and materials.
信息提供者违反本条例规定，向征信机构、金融信用信息基础数据库提供非依法公开的个人不良信息，未事先告知信息主体本人，情节严重或者造成严重后果的，由国务院征信业监督管理部门或者其派出机构对单位处2万元以上20万元以下的罚款；对个人处1万元以上5万元以下的罚款。
If an information provider violates these regulations by providing non-publicly available personal adverse information to a credit reporting agency or financial credit information basic database without prior notification to the information subject, and the circumstances are serious or cause serious consequences, the State Council credit reporting industry supervision and administration department or its dispatched agencies shall impose a fine of not less than 20,000 yuan but not more than 200,000 yuan on the unit; and a fine of not less than 10,000 yuan but not more than 50,000 yuan on the individual.
信息使用者违反本条例规定，未按照与个人信息主体约定的用途使用个人信息或者未经个人信息主体同意向第三方提供个人信息，情节严重或者造成严重后果的，由国务院征信业监督管理部门或者其派出机构对单位处2万元以上20万元以下的罚款；对个人处1万元以上5万元以下的罚款；有违法所得的，没收违法所得。给信息主体造成损失的，依法承担民事责任；构成犯罪的，依法追究刑事责任。
If an information user violates these regulations by using personal information not in accordance with the agreed purpose with the personal information subject or providing personal information to a third party without the consent of the personal information subject, and the circumstances are serious or cause serious consequences, the State Council credit reporting industry supervision and administration department or its dispatched agencies shall impose a fine of not less than 20,000 yuan but not more than 200,000 yuan on the unit; and a fine of not less than 10,000 yuan but not more than 50,000 yuan on the individual; any illegal gains shall be confiscated. If losses are caused to the information subject, civil liability shall be borne according to law; if a crime is constituted, criminal liability shall be pursued according to law.
国务院征信业监督管理部门及其派出机构的工作人员滥用职权、玩忽职守、徇私舞弊，不依法履行监督管理职责，或者泄露国家秘密、信息主体信息的，依法给予处分。给信息主体造成损失的，依法承担民事责任；构成犯罪的，依法追究刑事责任。
If a staff member of the State Council credit reporting industry supervision and administration department or its dispatched agencies abuses power, neglects duty, engages in malpractice for personal gain, fails to perform supervision and management duties according to law, or discloses state secrets or information subject information, disciplinary action shall be taken according to law. If losses are caused to the information subject, civil liability shall be borne according to law; if a crime is constituted, criminal liability shall be pursued according to law.
附则
Supplementary Provisions
本条例下列用语的含义：
The meanings of the following terms in this Regulation:
(一)信息提供者，是指向征信机构提供信息的单位和个人，以及向金融信用信息基础数据库提供信息的单位。
(1) Information provider refers to units and individuals that provide information to credit reporting agencies, as well as units that provide information to the financial credit information basic database.
(二)信息使用者，是指从征信机构和金融信用信息基础数据库获取信息的单位和个人。
(2) Information user refers to units and individuals that obtain information from credit reporting agencies and the financial credit information basic database.
(三)不良信息，是指对信息主体信用状况构成负面影响的下列信息：信息主体在借贷、赊购、担保、租赁、保险、使用信用卡等活动中未按照合同履行义务的信息，对信息主体的行政处罚信息，人民法院判决或者裁定信息主体履行义务以及强制执行的信息，以及国务院征信业监督管理部门规定的其他不良信息。
(3) Adverse information refers to the following information that negatively affects the credit status of the information subject: information that the information subject fails to perform obligations under contracts in activities such as borrowing, purchasing on credit, guaranteeing, leasing, insurance, and using credit cards; information on administrative penalties imposed on the information subject; information on judgments or rulings by people's courts requiring the information subject to perform obligations and enforcement thereof; and other adverse information prescribed by the credit reporting industry regulatory department of the State Council.
外商投资征信机构的设立条件，由国务院征信业监督管理部门会同国务院有关部门制定，报国务院批准。
The conditions for establishing a foreign-invested credit reporting agency shall be formulated by the credit reporting industry regulatory department of the State Council jointly with the relevant departments of the State Council and submitted to the State Council for approval.
境外征信机构在境内经营征信业务，应当经国务院征信业监督管理部门批准。
Overseas credit reporting agencies operating credit reporting business within China shall obtain approval from the credit reporting industry regulatory department of the State Council.
本条例施行前已经经营个人征信业务的机构，应当自本条例施行之日起6个月内，依照本条例的规定申请个人征信业务经营许可证。
Institutions that have already operated personal credit reporting business before the implementation of this Regulation shall apply for a personal credit reporting business license in accordance with this Regulation within six months from the date of implementation of this Regulation.
本条例施行前已经经营企业征信业务的机构，应当自本条例施行之日起3个月内，依照本条例的规定办理备案。
Institutions that have already operated enterprise credit reporting business before the implementation of this Regulation shall complete the registration in accordance with this Regulation within three months from the date of implementation of this Regulation.
本条例自2013年3月15日起施行。
This Regulation shall come into force on March 15, 2013.