The construction of China's personal credit system began in ().

Answer: b

The development of personal credit investigation in China can be divided into three stages: exploration, starting and development. Item A belongs to the exploration stage, when the embryonic form of the credit information industry appears. It is two items, which belong to the primary stage. Among them, the construction of personal credit information system in China began in July 1999 when the People's Bank of China approved the establishment of Shanghai Credit Information Co., Ltd. as a pilot personal credit information system. Item d belongs to the development stage.

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