2065438+February 2008, official website, the central bank issued the "Information Publicity Form for Operating Personal Credit Information Business Institutions", showing that the first domestic personal credit information license of Baixing Credit Information Co., Ltd. has been officially approved, and all kinds of private credit information activities will be recorded uniformly from now on.
Some friends may be confused when they hear this, and they can record all kinds of credit behaviors of the people in a unified way! That's awesome! How did it do it?
People's Credit Information is a personal credit information agency led by China Internet Finance Association and jointly established by eight market institutions including Sesame Credit, Tencent Credit Information, Pengyuanzheng Credit Information and Qianhai Credit Information. These eight institutions can be said to be the overlord of the credit information industry. Integrating all the folk credit information, the credit problems of 654.38+04 billion China people can be seen at a glance.
The credit investigation of 100 banks is mainly aimed at the credit investigation activities of individuals in peer-to-peer lending and other fields (except for traditional financial institutions such as banks, securities and insurance), and belongs to private credit investigation institutions.
In fact, the emergence of these private credit rating agencies is very useful. In the past, except for bank credit reporting, which was enjoyed by financial institutions, other non-governmental organizations were in an information island state.
The establishment of Baixing Credit Information System means that the melting pot of credit data of major non-governmental organizations has been formed. Different institutions can check each other's credit records. If the user is overdue, other platforms will not give the user loans.
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If the Bank of China cooperates with the Central Bank in the future, banks and other financial institutions can also check the borrower's credit data at the Bank of China, which is bound to become a basis for banks to assess lending risks.
For example:
If you borrow money from platform A and repay it regularly, you are a quality customer of this platform; At the same time, you also borrowed money from platform B, but the overdue is serious. However, if Platform B fails to record the credit within the time limit, the bank will not find this record. If you borrow money from the bank, you may borrow money again.
In the future, after the credit report of 100 banks and the credit report of the central bank are combined, it will become like this:
The central bank will use your daily credit records, such as Alipay and WeChat payment. Integrate the fragmented information and draw an accurate picture of your credit history. In this case, you are likely to be refused a loan.
Question:
1. How to query the credit information of People's Bank?
At present, Baixing Credit Information has not opened a personal inquiry portal, and only these eight shareholders can access it. Baixing Big Data Query Platform cooperates with Pengyuanzheng Letter Interface, one of the eight major shareholders, for docking query.
Second, what is the difference between the credit report of 100 banks and the credit report of the central bank?
At present. In China, only the Central Bank Credit Information Center and its subordinate Shanghai Credit Information Company provide personal credit information services. As a public institution directly under the Central Bank, the Credit Information Center is responsible for the construction, operation and maintenance of the basic database of credit information of enterprises and individuals in China.
1. data source
The credit data of the central bank mainly comes from traditional licensed financial institutions, such as banks, while the credit data of 100 banks partly comes from financial institutions and major Internet platforms, including online lending platforms, Internet companies and microfinance companies.
Compared with the central bank's credit reporting, Baijia Credit Reporting plays a more complementary role, but it does not rule out that it will interoperate with the central bank's credit reporting data in the future.
2. Data resources
The central bank's credit information only records financial-related business data. If you are a student, a newly graduated office worker, and have never done business in financial institutions such as banks, then your credit data cannot be obtained, and people will have these records in their credit reports.
Hundreds of bank credit bureaus have different data items. In addition to financial data, each bank is also collecting other data, including life data, e-commerce data and other transaction data. In addition, Baixing Credit Information will also be combined with online lending platforms, online small loans and Internet financial institutions.
3. Different purposes (in terms of loans)
The credit investigation of the central bank is the basis of the risk assessment of the loan business of banks and other financial institutions.
As the basis for risk assessment of some financial institutions, online lending platforms, Internet companies and other lending businesses, there are people's credit reports.
4. Differences in data structures
The central bank's credit information center is more structured data, and the credit information of 100 banks may include unstructured data. Unstructured data includes network pictures, videos, chat records and so on, not just digital information.
5. 100 bank credit reporting agencies are more product-oriented.
In addition to the credit report, eight credit reporting agencies have their own scores, as well as deeper models, precision marketing and big data services.
The central bank's credit report+100 bank's credit report feels like a transparent person. Everyone must cherish their credit and big data and safeguard their credit. The future is definitely a credit society. If the credit data is poor, it is really difficult to move!
Hundreds of big data queries help you understand your own risks 360!