In fact, since 20 15, eight private companies have been allowed to pilot personal credit investigation business, and these eight companies are also shareholders of 100 bank credit investigation companies.
Why didn't these eight companies get official licenses?
/kloc-in April, 2007, the director of the Credit Bureau of the People's Bank of China said, "With the consolidation of Internet finance, enterprises want to start their own business, which will lead to the improvement of qualification standards and violate the division of information sharing, so they have not yet issued a license to start their business."
Since it can't be distributed separately, an association should be set up to manage it in a unified way, so that the information of various institutions can be shared, and then some behaviors of users can be seen in the credit report of 100 banks, filling the gap in the credit report of the central bank.
Click to read: Where is the people's credit inquiry entrance?
/kloc-The credit inquiry contents of 0/00 banks have not been published.
As can be seen from its shareholders, Sesame Credit (Ali) and Tencent Credit Information are well known. Shareholder background also represents data characteristics. For example, Sesame Credit may be biased towards online consumption data, Tencent Credit Information is biased towards social behavior data, and Qianhai Credit Information is biased towards insurance data.
Our daily consumption, repayment, shopping, financial management, investment, living expenses, etc. It may be recorded in the credit report of 100 banks. In the future, hundreds of banks' credit investigation may be connected with the credit investigation center of China People's Bank, thus forming a complete credit investigation circle.
From the beginning, the personal credit information system has been linked online and offline, and gradually developed in a perfect direction, which is an irreversible trend and trend. "Information belongs to the state, and technology enterprises go abroad" may be a popular plan.