Is the bank's credit information recognized by the state?

Hundreds of banks have been recognized by the state. Judging from the strength of Baixing Credit Information, Baixing Credit Information was established by China Internet Finance Association in cooperation with eight market institutions including Sesame Credit, Tencent Credit Information, Qianhai Credit Information, Koala Credit Information, Pengyuanzheng Credit Information, China Chengxin Credit Information, Zhongzhi Chengxin Credit Information and Huadao Credit Information. It is the only market-oriented company in China that has obtained the Personal Credit Information Business License. From the background of Baixing Credit Information, Baixing Credit Information is not a state-owned enterprise, but a private enterprise. However, the 100-bank credit investigation is approved by the People's Bank of China, so it belongs to the scope recognized by the state. At present, hundreds of banks have access to thousands of platforms and institutions in P2P lending, which is a supplement to the central bank's credit reporting and has great influence.

It can be said that it is convenient for people with good credit information to do things, and it is relatively difficult for people with bad credit information to borrow money. As we all know, the central bank's credit information is directly operated by the People's Bank of China, which is commonly called official credit information. In fact, there is also a kind of folk credit information, which also plays a vital role in online lending, that is, the 100-line credit information. Let's play with Bian Xiao, the card agency, to explain that the credit information of Baixing Bank is "big data". What impact will hundreds of lines of credit information have? As the first and only profitable credit reporting institution in China that has obtained the business license of personal credit reporting, Baixing Credit Reporting is jointly launched by China Internet Finance Association and eight enterprises including Sesame Credit, Tencent Credit Reporting, Shenzhen Qianhai Credit Reporting Center, Koala Credit Reporting, Peng Yuanzheng Credit Reporting, China Chengxin Credit Reporting, China Zhicheng Credit Reporting and Huadao Credit Reporting, and provides accurate and real-time personal credit reporting by combining various comprehensive information and data. Formally, the relationship between Baixing Credit Information and Big Data can be summarized in a simple sentence, that is, "the economic foundation determines the superstructure", Baixing Credit Information is that economic foundation, and Big Data is the superstructure. Although the credit investigation of 100 banks is an important part of the foundation, it is still impossible to build a superstructure, which needs to be combined with other data sources and eventually become big data.

As mentioned above, Baixing Credit Information is an important item in big data, so once the user's borrowing behavior is uploaded to Baixing Credit Information and bad records are recorded, it is not so simple to apply for private loans. In addition, although the credit information of 100 banks has not yet been connected to the central bank's credit information system, if the subsequent docking is successful, the negative impact on everyone's credit information will be even greater. Therefore, I suggest you pay more attention to your 100 banks' credit information.