State Council, Regulations for the Administration of the Credit Information Collection Industry

国务院征信业管理条例

March 08, 2013 | BY

clpstaff &clp articles &

Negative personal credit information may be kept only for five years after the end of the negative event.

Clp Reference: 3500/13.01.21 Promulgated: 2013-01-21 Effective: 2013-03-15

Promulgated: January 21 2013

Effective: March 15 2013


Applicability: The Regulations apply to the collection of credit information and related activities carried out in China.

The term “credit information collection” refers to the activity whereby credit information of enterprises, public institutions and other such organisations, and credit information of individuals is collected, collated, preserved, processed and provided to information users (Article 2).


Main contents: Institutions engaging in personal credit information collection are required to have minimum registered capital of Rmb50 million (Article 6). Poor personal credit information that has been stored for more than five years from the date of the end of the poor credit act or incident should be removed (Article 16).

clp reference:3500/13.01.21promulgated:2013-01-21effective:2013-03-15

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