What is the best bank credit information?

Baixing Credit Information is a personal credit information agency led by China Internet Finance Association under the supervision and guidance of the People's Bank of China. Its shareholders include Sesame Credit, Tencent Credit, Qianhai Credit, Peng Credit, Zhongcheng Credit, Koala Credit, Zhongzhi Credit and Jinghua Road Credit. In essence, it is a profit-oriented enterprise, and it is also the first company in China with a personal credit information business license. It is mainly aimed at p2p lending related businesses other than traditional financial institutions such as banks, insurance and securities. However, in addition to financial data, the business also extends to the data of transactions such as life and e-commerce, which can comprehensively analyze the comprehensive information score of borrowers.

Although compared with the authority of the central bank's credit information, the credit information data of 100 banks accounts for less than loans, and exists as a supplement at most, it is difficult to guarantee that it will not be interoperable with the central bank's credit information data. Therefore, once the borrower has a loans overdue record in the credit information of 100 banks, it will affect the subsequent loan behavior. Many online lending platforms can find this record on the credit information of hundreds of banks and keep it for five years.

As long as we use the loan normally, neither the central bank nor hundreds of banks will affect us, so we should develop good lending habits at ordinary times.

1, the bank's credit function

Hundreds of credit information can be simply understood as private credit information institutions, which fills the vacancy of the People's Bank of China in the field of Internet finance. However, there is no connection with the People's Bank of China for the time being, so the data will not be enjoyed. Therefore, many people think that hundreds of lines of credit information are meaningless. Even if they are blacklisted, it will not affect their normal life.

However, there are many internet finance companies and licensed consumer finance institutions, with credit lines of several hundred. The existence of hundreds of credit lines has broken the dilemma that information on Internet financial platforms cannot be shared * * *, and borrowers' information can be shared * *, which can stifle the chaos of some borrowers borrowing through multiple channels.

2. The influence of overdue credit information in Bai Hang.

For example, in loans overdue of Platform A, the borrower Xiao Wang can continue to borrow money from Platform B or apply for a loan from a bank without the credit report of 100 banks. Because the information between Platform A and Platform B is not shared, it is impossible to know the multi-dimensional credit status of the borrower Xiao Wang.

With the credit reports of 100 banks, mutual financial platforms can check each other's data. If the borrower Xiao Wang is overdue on platform A, he will not be able to borrow money from platform B smoothly.

Bai Hang's personal bad credit records will also be kept for 5 years, and will be deleted after the overdue loans are settled. If the borrower does not deal with his bad credit record all the time, it will remain, which will affect his application for other loan products.