1. Credit management company refers to a legal entity that collects personal credit information and provides personal credit information consultation and rating services for users of personal credit information such as commercial banks.
2. Personal credit information refers to the activities of credit reporting institutions to collect and store personal credit information scattered in various commercial banks and social related aspects through agreements with information providers such as commercial banks, and form a personal credit information database.
3. Credit service is a series of activities to comprehensively evaluate the credit status (including repayment ability and willingness) of the trustee (debtor) and provide classified credit information to customers.