RbiSearchHeader

Press escape key to go back

Past Searches

Theme
Theme
Text Size
Text Size
S2

RbiAnnouncementWeb

RBI Announcements
RBI Announcements

Asset Publisher

75928167

Questionnaire sent to the Chairmen of Banks/FIs eliciting their views on the specific modalities for setting up the Credit Information Bureau

Annexure VI

  1. 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?
  2. 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?
  3. 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?
  4. What should be the authorised and paid-up capital of the proposed CIB?
  5. 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?
  6. Should there be participation from a foreign agency in the proposed CIB in the form of either equity participation, or technogical assistance?
  7. 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?
  8. Should the proposed CIB collect and disseminate negative credit information on borrowers only, or should it also cover positive data on borrowers?
  9. Should furnishing of data by banks/lending institutions to CIB be made mandatory?
  10. Should there be a cut-off limit for mobilising data, both for negative and positive information?
  11. 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?
  12. 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?
  13. 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?
  14. What are your suggestions regarding the code of conduct to be followed by the members of a CIB?
  15. Any other suggestion for setting up a Credit Information Bureau in India?

RbiTtsCommonUtility

PLAYING
LISTEN

RBI-Install-RBI-Content-Global

بھارت موبائل ایپلی کیشن کے ریزرو بینک کو انسٹال کریں اور تازہ ترین خبروں تک فوری رسائی حاصل کریں!

Scan Your QR code to Install our app

RbiWasItHelpfulUtility

یہ صفحہ مددگار تھا؟