Consequences of hundreds of credit investigations

The credit information of hundreds of banks and the central bank constitute two main platforms in China's credit information system. At present, many online lending platforms, financial institutions and private banks have access to the credit information of hundreds of banks. If there is a stain on the personal credit information of 100 banks, it will affect the credit behavior of individuals on these platforms, institutions and banks, and even their daily work and life will be affected. 2. Hundreds of banks' credit reporting can be said to be a good supplement to the central bank's credit reporting, breaking the blind spot of risk identification of financial institutions.

1. People Credit Information Co., Ltd. is a market-oriented credit information agency jointly established by China Internet Finance Association, Sesame Credit Management Co., Ltd., Tencent Credit Information Co., Ltd., Shenzhen Qianhai Credit Information Center Co., Ltd., Koala Credit Information Service Co., Ltd., Peng Yuanzheng Credit Information Co., Ltd., Zhongxin Credit Information Co., Ltd., Zhongzhicheng Credit Information Co., Ltd. and Beijing Huadao Credit Information Co., Ltd. under the supervision and guidance of the People's Bank of China. In July 2020, Baixing Credit Information completed the filing of corporate credit information business and became a market-oriented credit information agency with dual business qualifications of personal credit information and corporate credit information in China. As of May 22nd, 20021year, Bai Hang Credit Information has expanded 2,084 corporate financial institutions, and more than 200 million information subjects have been included in the personal credit information system, and 28 credit information products have been launched for the market, with the cumulative call volume of all products exceeding 7 1 10,000.

2. The general business items are: collecting and utilizing enterprise information, carrying out enterprise credit evaluation, rating, consulting, training, market research, database service and technical service; Computer software and network technology development, sales, training, transfer, system operation and maintenance; Sales of computer software and hardware; Conference planning. (Except for the items prohibited by the above-mentioned laws and administrative regulations; Projects restricted by laws and administrative regulations can only be operated after obtaining a license), and the licensed business projects are: personal credit investigation business.

Three. On March 2018 19, People Credit Information Co., Ltd. was established. On May 23rd, 20 18, People Credit Information Co., Ltd. was unveiled in Shenzhen. 20 19 65438+ 10/month 1, the first three products (personal credit report, special attention list and information verification platform) were verified online, and personal credit data collection began. June 5438 +2020 10, People's Credit Information APP was launched and provided services to the outside world. On July 13, 2020, it completed the filing of corporate credit information business and became a domestic market-oriented credit information agency with dual business qualifications of personal credit information and corporate credit information. On July 17, 2020, it formally signed a strategic cooperation agreement with the Credit Information Center of the People's Bank of China, actively carried out credit information strategy research, business and technical cooperation, effectively played the role of "government+market" and promoted the prosperity and development of the credit information market in China. On June 2, 2020,165438+1October 2, 2020, as the first batch of financial technology innovation supervision pilot projects in Shenzhen, "Universal Service for Credit Investigation and Credit of Hundred Banks" was registered in Shenzhen Central Branch of China People's Bank and provided services to users.