Bai Hang's personal credit information is mainly personal debt information, supplemented by other information closely related to liabilities. The information sources are mainly personal debt information held by Internet financial institutions such as online small loan companies, peer-to-peer lending information intermediaries and consumer finance companies, as well as personal debt information held by other market entities. Baixing Credit Information mainly serves Internet financial institutions such as online small loan companies, peer-to-peer lending information intermediaries, consumer finance companies, and traditional financial institutions such as commercial banks.
China Internet Finance Association, holding 36%,
Sesame Credit Management Co., Ltd., holding 8%,
Tencent Credit Information Co., Ltd., holding 8%,
Shenzhen Qianhai Credit Information Center Co., Ltd. holds 8%.
Peng yuanzheng letter co., ltd., holding 8%,
China Chengxin Credit Information Co., Ltd. holds 8% of the shares.
Koala Credit Information Co., Ltd., holding 8%,
Zhongzhicheng Zheng Xin Co., Ltd. holds 8% of the shares.
Beijing Huadao Credit Information Co., Ltd. holds 8%.
The Internet Finance Association, the largest shareholder of Bai Hang Credit Information, is a national self-regulatory organization in the Internet finance industry, which was established by the People's Bank of China in conjunction with China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission.
In addition to the Mutual Gold Association, the other eight companies hold a total of 64%. Speaking of these eight enterprises, they are simply the overlords of China credit reporting agencies, each with its own magical powers and territory:
Sesame credit can be used to judge the credit of a person and a merchant by the transaction records of Taobao, Tmall and Alipay.
Tencent Credit Information can use social tools and WeChat payment records to judge a person's credit.
Shenzhen Qianhai Credit Information can rely on hundreds of millions of enterprises and individual customers of Ping An Group and their records in Ping An Bank and Ping An Insurance.
Integrating the credit information of these eight institutions and their information in all aspects is the credit portrait of 654.38+04 billion people in China.
What are the effects of the establishment of the new alliance?
The establishment of Xinlian is not only a heavy blow for the country to purify the financial environment, but also represents a big step forward for the state-led new credit information system in China!
Headed by a hundred lines of letters, people will not believe it. These words will soon come true, and the credit union meeting is coming!
If the establishment of Xinlian can achieve the ideal effect of "making a person's bad record in the financial market have nowhere to hide", then its impact on society will be enormous and far-reaching:
For the financial market, with Xinlian, the credit information of banks or private financial institutions will be fully grasped by the regulatory authorities, which will help the regulatory authorities to implement more accurate policy regulation.
In addition, the status quo of some cash lending platforms is a simple and rude operation mode-weak risk control, high non-performing loans and high interest rates. Some insiders said, "Because of the weak risk control and high NPL ratio, the interest rate of 36% can be said to be unprofitable, and there is no way to cover the losses caused by bad debts." The establishment of Xinlian will help to break the vicious circle of such platforms.
For Internet financial institutions, many platforms had to buy information and blacklists from some third-party credit reporting agencies. After the establishment of Xinlian, the borrowing cost of the platform will be reduced. At the same time, information islands have caused a large number of "* * * debts" between platforms, and the establishment of Xinlian can help platforms reduce risks.
For individuals, the continuous improvement of the social personal credit information system also requires everyone to pay attention to cherish their personal credit. Besides paying back the credit card on time, you should also be careful about some of your life behaviors!