What are the classifications of credit reporting agencies? What are the personal credit reporting agencies?

A credit reporting agency refers to a legal person institution approved to be established in accordance with relevant regulations, which collects personal credit information and provides personal credit information consultation and rating services to commercial banks and other users of personal credit information. Refers to the enterprise legal person engaged in credit reporting business activities approved by the credit reporting supervision and management department. It is a third-party organization other than the two parties to the credit transaction, with a certain scale of credit information database.

In a narrow sense, a credit reporting agency refers to a profit-making information service professional institution specializing in the collection, processing, evaluation and dissemination of credit information. Generally speaking, it refers to an enterprise legal person that is approved by the credit supervision and management department and specializes in credit business activities. Credit agencies are usually divided into three categories, namely, enterprise credit agencies, individual credit agencies and property credit agencies. The concept of credit reporting agency can also expand the types of enterprises in other credit management industries, such as credit rating, enterprise collection, credit management consulting and other institutions, and even produce different titles.

By June, 20 15, there were 78 enterprise credit reporting agencies approved by the central bank except the credit reporting center of the People's Bank of China, and the number of social statistics was about 150.

On 20 15, 15, the central bank issued the Notice on Preparing Personal Credit Information Service, requiring Sesame Credit Management Co., Ltd., Tencent Credit Information Co., Ltd., Shenzhen Qianhai Credit Information Center Co., Ltd., Pengyuanzheng Credit Information Service Co., Ltd., China Chengxin Credit Information Service Co., Ltd., China Zhicheng Credit Information Service Co., Ltd., Lacarra Credit Information Management Co., Ltd. and Beijing Huadao Credit Information Service Co., Ltd.