What is the difference between Peng Yuanzheng's letter and the People's Bank of China's credit information?

Peng yuanzheng letter co., ltd was established on April 8, 2005. It is a private credit information agency, providing professional and personalized credit information services to customers. Pengyuanzheng Credit provides credit information services such as personal credit information, enterprise credit information, enterprise rating, personal rating, credit information system design and development, software design and development, and credit risk control of small and medium-sized enterprises. Through data accumulation, understanding, mining, analysis and application, the existing credit information product system and service model are constantly improved. The difference between the People's Bank of China's credit investigation and Peng Yuanzheng's letter is mainly from the dimensions of data source, authority, data integrity and use. The People's Bank of China has a high authority and complete data, which is mainly used for asset evaluation, bank lending, credit card quota, etc.