| 词条 | Credit Information Corporation |
| 释义 |
|agency_name = Credit Information Corporation |nativename = Korporasyon para sa Impormasyon ng Utang |nativename_a = |nativename_r = |logo = |logo_width = |logo_caption = |seal = Credit Information Corporation (CIC).svg |seal_width = 200px |seal_caption = |formed = |preceding1 = |preceding2 = |dissolved = |superseding = |jurisdiction = Credit Registry |headquarters = Exchange Corner Building, Legaspi Village, Makati City |coordinates = |employees = |chief1_name = Jaime Garchitorena |chief1_position = President and CEO |chief2_name = |chief2_position = |parent_agency = Department of Finance |child1_agency = |child2_agency = |child3_agency = |child4_agency = |website = http://www.creditinfo.gov.ph |footnotes = }} The Credit Information Corporation (CIC) is a government-owned and controlled corporation providing credit information system in the Philippines. It was created in 2008 by the Credit Information System Act (CISA) to construct a centralized, comprehensive credit information system for the collection and dissemination of accurate and fair information relevant to, or arising from, credit and credit-related activities of all entities participating in the financial system.[1][2][3][4][5] This credit information is to be collected from various sources such as banks, financial institutions, insurance companies, financing companies, credit cooperatives, as well as utility companies and other businesses that extend loans. The CIC compiles this credit information to help creditors evaluate the ability of borrowers to pay. The credit information system is intended to straightforwardly address the need for dependable credit information of borrowers and is supposed to significantly improve the overall availability of credit especially to micro, small and medium-scale enterprises; to make credit more cost-effective; and to reduce the dependence on collateral to secure credit facilities.[6] An efficient credit information system is also supposed to enable financial institutions to reduce their over-all credit risk, contributing to a healthier and more stable financial system.[7] By law, the credit information should be provided at the least cost to all participants and the CIC should ensure the protection of consumer rights and the existence of fair competition in the industry at all times. Credit Information System ActThe Credit Information System Act of 2008 (Republic Act No. 9510), also known as CISA is the act establishing Credit Information Corporation.[8][9] Accredited Credit BureausOn 13 March 2016, the CIC announced the accreditation of the first four credit bureaus, three international firms and one national credit bureau.[10]
See also
References1. ^{{cite web|url=http://creditinfo.gov.ph/frequently-asked-questions|title=Frequently Asked Questions|work=creditinfo.gov.ph|accessdate=5 October 2015}} 2. ^http://www.manilatimes.net/rural-banks-back-msme-credit-information-system/249381/ 3. ^http://www.sunstar.com.ph/cebu/business/2016/01/28/credit-industry-gain-operation-national-credit-information-system-454318 4. ^http://www.manilatimes.net/rural-banks-back-credit-information-system/215407/ 5. ^{{cite web|url=http://www.bworldonline.com/content.php?section=Finance&title=Credit-bureau-fully-operational-by-2015&id=89811|title=BusinessWorld - Credit bureau fully operational by 2015|work=bworldonline.com|accessdate=5 October 2015}} 6. ^{{cite web|url=http://cibi.com.ph/?q=news-and-events/co-ops-follow-cisa-law-june-16|title=CO-OPS to follow CISA Law, June 16|work=cibi.com.ph|accessdate=5 October 2015}} 7. ^{{cite web|url=http://www.cibi.com.ph/?q=news-and-events/bankers-welcome-new-credit-law|title=Bankers welcome new credit law|work=cibi.com.ph|accessdate=5 October 2015}} 8. ^http://www.creditinfo.gov.ph/sites/default/files/downloads/RA%209510.pdf 9. ^http://www.ctb.com.ph/wp-content/uploads/2010/05/irr-cisa.pdf 10. ^http://www.businessmirror.com.ph/cic-accredits-six-special-access-entities/ 11. ^http://cibi.com.ph/?q=about-cibi/our-company 12. ^http://business.inquirer.net/11703/5-banks-set-up-credit-bureau-to-keep-track-of-good-bad-borrowers 13. ^{{Cite web|url=http://news.abs-cbn.com/business/03/14/16/philippines-oks-6-credit-bureaus|title=Philippines OKs 6 credit bureaus|last=|first=|date=|website=|archive-url=|archive-date=|dead-url=|access-date=}} 14. ^{{Cite web|url=http://www.creditinfo.gov.ph/sae|title=Accredited Credit Bureaus|last=|first=|date=|website=|archive-url=|archive-date=|dead-url=|access-date=}} 7 : Government-owned and controlled corporations|Companies established in 2008|2008 establishments in the Philippines|Credit rating agencies|Philippine law|Economic history of the Philippines|Presidency of Gloria Macapagal Arroyo |
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