2065438+On February 22, 2008, official website, the central bank issued the announcement information of "Information Publicity Form for Establishment of Personal Credit Information Business".
The publicity form shows that the central bank allows People Credit Information Co., Ltd. (hereinafter referred to as People Credit Information) to carry out personal credit information business and play an important role in the P2P lending platform.
According to the information released by the central bank on October 4th, 65438/KLOC-0, about Baixing Credit Information Co., Ltd. (to be established), Baixing Credit Information Co., Ltd. is registered in Shenzhen, Guangdong Province, with a registered capital of 65438 billion yuan, and China Internet Finance Association and eight credit information companies are the main shareholders.
Baixing Credit Information Co., Ltd. is jointly owned by state-owned capital and private capital, with state-owned capital accounting for more than one-third of the registered capital and private capital evenly distributed in 8 companies. China Internet Finance Association is the largest shareholder of Bai Hang Credit Information Co., Ltd., holding 36% of the shares. The other eight companies (Sesame Credit Management Co., Ltd., Tencent Credit Information Co., Ltd., Shenzhen Qianhai Credit Information Center Co., Ltd., Peng Yuanzheng Credit Information Co., Ltd., China Chengxin Credit Information Co., Ltd., Koala Credit Information Co., Ltd., China Zhicheng Credit Information Information Co., Ltd. and Beijing Huadao Credit Information Co., Ltd.) hold 8% of the shares respectively.
Bai Hang's personal credit information is mainly personal debt information, and only personal loan data, personal identity information and other supporting information are collected. It mainly connects personal debt information held by Internet financial institutions such as online small loan companies, peer-to-peer lending information intermediaries (P2P platforms) and consumer finance companies.
This means that the debt information of customers who borrow from P2P lending platform will be included in the personal credit database of Bai Hang Credit Information. Customer's bad lending behavior will be recorded and enjoyed.
Personal credit information has covered the mainstream platform.
According to relevant reports, there are currently more than 200 online loan companies, more than 8,000 county-level small loan companies and consumer finance companies. It is the most important and direct source of credit information in Bai Hang. There is also the Internet Finance Credit Information Sharing Platform established by China Internet Finance Association 20 16. Since the credit information sharing platform was launched on September 9, 20 16, the first batch of 17 large-scale internet financial platforms, such as Ant Financial, JD Finance, lufax, Netcom and CreditEase, have been connected. As of 20 17, more than 100 institutions have been officially connected, including more than 3,000 natural person loan customers. With the further opening of the credit information sharing platform of China Internet Finance Association, and the initiative to open access rights to non-member units, the personal credit information covered by Baihang Credit Information will be more and more extensive.
This will be a heavy blow to those who are used to borrowing from many parties, deliberately overdue or maliciously defrauding loans because of the imperfect credit information system in the industry. With the official operation of hundreds of banks' credit investigation, the lucky psychology previously held by such groups will disappear.
To put it simply, your previous online loan did not receive credit information after it was overdue, but it does not mean that you will not receive credit information after it came out. So have you considered repayment? Or continue to overdue?