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No. 1 of Ten Noteworthy Financial Cases in Shanghai Courts of 2018: Financial Institutions Have the Obligation to Timely Correct Erroneous Credit Information - a case of Chen A v. Bank A on disputes over tort liability
2018年度上海法院金融商事审判十大案例之一:陈某与甲银行侵权责任纠纷案——金融机构有义务及时更正错误征信信息
【法宝引证码】
  • Type of Dispute: Civil-->Tort
  • Legal document: Judgment
  • Judgment date: 07-30-2018
  • Procedural status: Trial at First Instance

No. 1 of Ten Noteworthy Financial Cases in Shanghai Courts of 2018: Financial Institutions Have the Obligation to Timely Correct Erroneous Credit Information - a case of Chen A v. Bank A on disputes over tort liability
2018年度上海法院金融商事审判十大案例之一:陈某与甲银行侵权责任纠纷案——金融机构有义务及时更正错误征信信息
No. 1 of Ten Noteworthy Financial Cases in Shanghai Courts of 2018: Financial Institutions Have the Obligation to Timely Correct Erroneous Credit Information - a case of Chen A v. Bank A on disputes over tort liability 2018年度上海法院金融商事审判十大案例之一:陈某与甲银行侵权责任纠纷案——金融机构有义务及时更正错误征信信息
[Gist] 【裁判要旨】
A person's credit standing denotes the society's evaluation on his/her economic status, specifically on his/her economic reliability and ability to pay. Violation of a person's credit interests does not necessarily imply widespread dissemination of his/her erroneous credit information. Banks or other financial institutions which, in violation of relevant regulatory provisions, fail to correct erroneous credit information in time, shall be held liable for any losses thus caused. 信用是社会成员对民事主体经济上的评价,以其经济生活中的可靠性或支付能力为内容。侵犯个人信用利益,并不以错误信用信息的广泛传播为构成要件。银行等金融机构违反监管规定,不及时更改错误征信信息,造成相对方损失的,应承担相应赔偿责任。
...... 【基本事实】
 甲银行与陈某于2013年3月12日签订《借款合同》。根据合同约定,甲银行于2013年3月13日向陈某发放贷款人民币422万元(以下币种同),借款期限为12个月。涉案贷款到期时,陈某未按时偿还本息。双方于2014年5月28日达成《和解协议》,就涉案贷款的本金、利息、费用等还款金额及还款期限重新作出约定。陈某在2014年6月、7月、8月均按此《和解协议》偿还了欠款。至2014年9月底,陈某尚欠部分逾期利息、律师费,但甲银行告知其可以减免部分律师费和罚息。2014年9月30日,账户状态为“结清”。2014年10月17日,甲银行以“贷款还清”为由注销涉案抵押权。
 ......

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