“Continuously optimizing the credit inquiry service” is an important task of the Credit Reference Center, the People’s Bank of China (“CCRC”) to practice the concept of “facilitating credit reference services for the benefit of the people” and serve information subjects. In response to COVID-19, CCRC organized various efforts to expand online inquiry channels for credit reports, providing information subjects with more choices of inquiry.

Since March, 2020, CCRC has organized commercial banks to carry out pilot credit report inquiry by online banking. By the end of 2020, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, China Merchants Bank, China CITIC Bank, Shanghai Pudong Development Bank, China Guangfa Bank, Bohai Bank, Ping An Bank and China Everbright Bank have opened online banking inquiry services. At the outlets of pilot branches of ICBC, China Construction Bank and China Merchants Bank, ATM inquiry service was provided. From January to December 2020, 9.222 million credit reports were sent to consumers via online banking channels, and 2.045 million commercial credit reports were sent to data subjects via online banking channels.

Based on the pilot inquiry service via mobile banking provided by commercial banks, CCRC cooperated with China UnionPay to provide consumer credit report inquiry service through China UnionPay QuickPass, which was launched in Shanghai, Guangzhou, Shenzhen, Hangzhou, Chongqing, Nanning, Changsha and Fuzhou on January 8, 2021.