2. The credit information of the central bank is the credit information system of the People's Bank of China, which can record the credit information of enterprises and individual citizens, so the credit information of the People's Bank is actually the same as that of the central bank. When individual citizens apply for loans, credit cards and other businesses, the relevant authorized institutions can know the social credit status of enterprises or individuals by inquiring about credit information as a basis for examination. If there are too many bad records in the credit information, the loan interest rate they apply for may be higher, the credit card limit may be lower, and they may even refuse to apply for loans or credit cards for the applicants.
1. Credit inquiry refers to collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, and providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks. The personal credit inquiry system for credit management activities has the following contents: basic information: including identity information, name, gender, household registration, communication information and spouse. Credit card transaction: that is, credit card transaction information, reflecting personal solvency; Whether there are loans, overdue loans, debts and other information.
2. Baixing Credit Information Baixing Credit Information is a personal credit information agency led by China Internet Finance Association and jointly established by eight market institutions including Sesame Credit, Tencent Credit Information, Pengyuanzheng Credit Information and Qianhai Credit Information. These eight institutions can be said to be the overlord of the credit information industry. Integrating all the folk credit information, the credit problems of 654.38+04 billion China people can be seen at a glance.
3. The difference between bank credit reporting and central bank credit reporting.
1) Data Source The credit data of the central bank mainly comes from traditional licensed financial institutions such as banks, and only records financial-related business data.
If you are a student, a newly graduated office worker, and have never done business in financial institutions such as banks, then your credit data cannot be obtained, and people will have these records in their credit reports.
Hundreds of bank credit bureaus have different data items. In addition to financial data, each bank is also collecting other data, including life data, e-commerce data and other transaction data. Small loans and internet financial institutions are United. Compared with the central bank's credit reporting, bank credit reporting plays a more supplementary role, but it does not rule out communication with the central bank's credit reporting data in the future.
2) With different purposes (as far as loans are concerned), the credit investigation of the central bank is the basis for risk assessment of the loan business of banks and other financial institutions. As the basis for the risk assessment of some financial institutions, online lending platforms, internet companies, private lending and other lending businesses, there are hundreds of credit reports.
3) Differences in data structure The central bank's credit information center is more structured data, and the credit information of 100 banks may contain unstructured data. Unstructured data includes network pictures, videos, chat records and so on, not just digital information. In addition to the credit report, eight credit reporting agencies have their own scores, as well as deeper models, precision marketing and big data services.