1 credit report: it is an objective record of our credit history, mainly recording our loan repayment, contract performance, law-abiding and other information.
Credit information system: The above information comes from the credit information system, also known as "basic database of financial credit information" and "basic database of enterprise and individual credit information". This is a database established by the state to record our credit information. Credit transaction information and other credit information between us and lending institutions are recorded in this system.
3 Credit Information Center: namely the Credit Information Center of the People's Bank of China. It is a professional credit reporting agency responsible for the construction, operation and maintenance of the credit reporting system. It is a public institution directly under the People's Bank of China. Not for profit, not engaged in lending business, is an independent third party.
Credit investigation is a Chinese vocabulary, and its pinyin is zhēng xìn, which means collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.
The main service object of credit investigation is financial institutions, which provides support for credit decision-making; Commercial credit information mainly serves wholesalers or retailers and provides support for credit sales decision-making; The main service object of employment credit information is the employer, which provides support for the employment decision of the employer; In addition, there are other credit activities, such as market research, creditor's rights processing, movable property and real estate evaluation. Credit information services for different customers are completed by one institution or in independent enterprises around the upstream and downstream of credit information institutions, and are equipped with databases.
Another great advantage of credit report is that it can help you get a fairer credit opportunity. The Credit Information Center provides the bank with an objective record of your credit history, which allows the facts to speak for themselves, reduces the influence of subjective feelings and personal emotions of loan officers on your credit card application results, and gives you a fairer credit opportunity.
Corporate credit investigation originated in the United States and began with bond rating. John Moody, the founder of Moody's Company, first established a system to measure the risk of debt reversal, and determined the bond grade according to the risk of debt reversal. Since then, corporate credit reports have become popular in the American investment community. 19 18, the U.S. government stipulated that any foreign government issuing bonds in the United States must obtain the rating results before issuing them.
Corporate credit investigation has been proved to be successful in the history and financial development of the United States, and all countries in the world have learned from the experience of the United States and established their own evaluation institutions. Moody's and Standard & Poor's have become global assessment agencies, and their level is universal and authoritative in many countries. In China, corporate credit investigation is basically generated at 1987 in synchronization with corporate bond issuance. However, subject to the immaturity of the financial market, it is still in the development stage.