Personal credit reporting agencies are usually private, established in accordance with the modern enterprise system and fully market-oriented. It mainly provides services for information users such as commercial banks, insurance companies, trade and mail order companies. The United States is a typical private credit reporting agency model, and commercial credit reporting agencies have a sound credit reporting system.
Personal credit reporting agencies mainly provide credit reporting agencies.
personal loan
And the credit information of micro, small and medium-sized enterprises. They collect standardized information from various credit institutions (such as banks, credit card issuers and other non-bank financial institutions), and also collect various public information, such as court decisions, bankruptcy information, phone book information or information from third-party databases (such as security interest registration system).
Credit registration system
The credit registration system collects personal information and enterprise information. Personal information usually includes personal identity information, loan type and loan characteristics information, negative information, guarantee and guarantee information and repayment record information. Enterprise information usually includes enterprise identity information, enterprise owner information, loan type and loan characteristics information, negative information and repayment records.
Enterprise credit information institutions
Commercial credit investigation companies provide information about enterprises, including sole proprietorship, partnership and corporate enterprises, and obtain information through open channels, direct investigations and payment history provided by suppliers and trade creditors. The scale and operating income of enterprises covered by credit reporting agencies are smaller than those covered by credit rating agencies, and the information collected by them is generally used for credit risk assessment or credit scoring, or for other purposes such as trade credit.