Questionnaire sent to the Chairmen of Banks/FIs eliciting their views on the specific modalities for setting up the Credit Information Bureau - আরবিআই - Reserve Bank of India
75928167
এই তারিখে প্রকাশিত নভেম্বর 01, 1999
Questionnaire sent to the Chairmen of Banks/FIs eliciting their views on the specific modalities for setting up the Credit Information Bureau
Annexure VI
- How, in your opinion, can the formation of a Credit Information Bureau (CIB) in India address the lacunae in the existing system of credit information sharing on borrowers between banks/lending institutions?
- Is the existing legal framework sufficient to set up a CIB in India and are the banks/FIs sufficiently protected under the present legal structure? If an amendment is required to the extant legal provisions, what are your suggestions therefor?
- Should the proposed CIB be set up as a statutory corporation or as a company incorporated under the Companies Act, taking into consideration the present legal environment on disclosure of customer information in the country?
- What should be the authorised and paid-up capital of the proposed CIB?
- Which entities could participate in the equity of the proposed CIB and which entities should be the user groups/authorised users of information from the CIB?
- Should there be participation from a foreign agency in the proposed CIB in the form of either equity participation, or technogical assistance?
- Should the proposed CIB concentrate on only one segment viz., either retail/consumer credit segment or commercial/corporate credit segment, or should its operations cover both segments?
- Should the proposed CIB collect and disseminate negative credit information on borrowers only, or should it also cover positive data on borrowers?
- Should furnishing of data by banks/lending institutions to CIB be made mandatory?
- Should there be a cut-off limit for mobilising data, both for negative and positive information?
- What is the specific type of information which banks should furnish to the CIB, and which the CIB should furnish in its credit reports to the authorised users?
- Should only the computerised branches be brought under the coverage of information reporting to CIB initially or should all the branches be covered from the inception of the scheme?
- What should be the periodicity for receiving updation reports from lending institutions by the CIB so that the nodal branch/office can adhere to prescribed periodicity?
- What are your suggestions regarding the code of conduct to be followed by the members of a CIB?
- Any other suggestion for setting up a Credit Information Bureau in India?
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