People's credit reporting is recognized by the state.
1. According to the strength of Baixing Credit Information, Baixing Credit Information was established by China Internet Finance Association in conjunction with eight market institutions, including Sesame Credit Information, Tencent Credit Information, Qianhai Credit Information, Koala Credit Information, Peng Yuanzheng Credit Information, China Chengxin Credit Information and China Zhicheng Credit Information. It is the only market-oriented company in China that has obtained a personal credit business license.
2. From the background of Baixing Credit Information, Baixing Credit Information is not a state-owned enterprise, but a private enterprise. However, Baixing Credit Information was established with the approval of the People's Bank of China, which belongs to the scope recognized by the state. At present, Baixing Credit Information has been connected to thousands of online lending platforms and institutions, which is a supplement to the central bank's credit information and has great influence.
1. Under the supervision and guidance of the People's Bank of China, Baixing Credit Information Co., Ltd. was jointly initiated by China Internet Finance Association, Sesame Credit Information Management Co., Ltd., Tencent Credit Information Co., Ltd. and Shenzhen Qianhai Credit Information Co., Ltd., and was jointly established as a market-oriented credit information agency by eight institutions including China Internet Finance Research Center Co., Ltd., Koala Credit Information Service Co., Ltd., Peng Yuanzheng Credit Information Co., Ltd., China Chengxin Credit Information Co., Ltd. and Beijing Huadao Credit Information Co..
2.20 18, Baixing Credit Information obtained the first personal credit information business license in China and settled in Futian, Shenzhen. In July 2020, Baixing Credit Information completed the filing of corporate credit information business and became a market-oriented credit information agency with dual business qualifications of personal credit information and corporate credit information in China.
3. General business projects include: collecting and using enterprise information to carry out enterprise credit evaluation, rating, consulting, training, market research, database services and technical services; Development, sales, training and transfer of computer software and network technology, system operation and maintenance; Computer software and hardware sales; Conference planning. (Except for the items prohibited by the above-mentioned laws and administrative regulations; Projects restricted by laws and administrative regulations can only be operated after obtaining a license). The licensed items are: personal credit information service.
4. China Bank Credit Information and Central Bank Credit Information are both credit information agencies. The main differences between the two are as follows:
(1) has different properties. Hundreds of banks' credit information is a market-oriented personal credit information, and the central bank's credit information is a personal credit information record released by the Credit Information Center of China People's Bank.
(2) With different functions, Baixing Credit Information is mainly used to standardize the online lending industry and realize data sharing among online lending institutions. The function of the central bank's credit investigation is to objectively show the social credit of individuals or enterprises.
What is the best bank credit information?
Baixing Credit Information is a personal credit information agency led by China Internet Finance Association under the supervision and guidance of the People's Bank of China. Its shareholders include Sesame Credit, Tencent Credit, Qianhai Credit, Peng Credit, Zhongcheng Credit, Koala Credit, Zhongzhi Credit and Jinghua Road Credit. In essence, it is a profit-oriented enterprise, and it is also the first company in China with a personal credit information business license. It is mainly aimed at p2p lending related businesses other than traditional financial institutions such as banks, insurance and securities. However, in addition to financial data, the business also extends to the data of transactions such as life and e-commerce, which can comprehensively analyze the comprehensive information score of borrowers.
Although compared with the authority of the central bank's credit information, the credit information data of 100 banks accounts for less than loans, and exists as a supplement at most, it is difficult to guarantee that it will not be interoperable with the central bank's credit information data. Therefore, once the borrower has a loans overdue record in the credit information of 100 banks, it will affect the subsequent loan behavior. Many online lending platforms can find this record on the credit information of hundreds of banks and keep it for five years.
As long as we use the loan normally, neither the central bank nor hundreds of banks will affect us, so we should develop good lending habits at ordinary times.
1, the bank's credit function
Hundreds of credit information can be simply understood as private credit information institutions, which fills the vacancy of the People's Bank of China in the field of Internet finance. However, there is no connection with the People's Bank of China for the time being, so the data will not be enjoyed. Therefore, many people think that hundreds of lines of credit information are meaningless. Even if they are blacklisted, it will not affect their normal life.
However, there are many internet finance companies and licensed consumer finance institutions, with credit lines of several hundred. The existence of hundreds of credit lines has broken the dilemma that information on Internet financial platforms cannot be shared * * *, and borrowers' information can be shared * *, which can stifle the chaos of some borrowers borrowing through multiple channels.
2. The influence of overdue credit information in Bai Hang.
For example, in loans overdue of Platform A, the borrower Xiao Wang can continue to borrow money from Platform B or apply for a loan from a bank without the credit report of 100 banks. Because the information between Platform A and Platform B is not shared, it is impossible to know the multi-dimensional credit status of the borrower Xiao Wang.
With the credit reports of 100 banks, mutual financial platforms can check each other's data. If the borrower Xiao Wang is overdue on platform A, he will not be able to borrow money from platform B smoothly.
Bai Hang's personal bad credit records will also be kept for 5 years, and will be deleted after the overdue loans are settled. If the borrower does not deal with his bad credit record all the time, it will remain, which will affect his application for other loan products.
What is a hundred banks' credit investigation?
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. Internet financial institutions will form a complete risk control system based on personal credit records and their own data provided by people's credit information, and provide users with more comprehensive, clear and safe financial services.
Different from the central bank's credit reporting, Baixing Credit Reporting mainly regulates the online lending industry, so that data among online lending institutions can be shared, and the role of the central bank's credit reporting is to objectively show the social credit of individuals or enterprises.
What is a hundred banks' credit investigation? What's the difference between it and the central bank's credit report?
The first one is different in nature. Baixing Credit Information is a personal credit information agency jointly established by eight market institutions including Sesame Credit, Tencent 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.
Central Bank Credit Information is a personal credit information record published and recorded by the Credit Information Center of China People's Bank.
The second point is different. A large part of Bai Hang's credit access is online lending platform, so that data among online lending institutions can be shared. The function of central bank's credit investigation is to objectively show the social reputation of individuals or enterprises.
The third point is different. The credit data of the central bank mainly comes from traditional licensed financial institutions such as banks, and only records business data with financial institutions.
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.
In addition to financial data, hundreds of banks are also collecting other data, including life data, e-commerce data, small loan transaction data and so on.
Compared with the central bank's credit reporting, Baijia Credit Reporting plays a more complementary role, but it does not rule out that it will interoperate with the central bank's credit reporting data in the future.
Finally, I emphasize that once the two are linked, then I am a transparent person and must safeguard my credit information.
As of May 22nd, 20021year, Bai Hang Credit Information has expanded 2,084 corporate financial institutions, and more than 200 million information subjects have been included in the personal credit information system, and 28 credit information products have been launched for the market, with the cumulative call volume of all products exceeding 7 1 10,000.
General business projects include: collecting and utilizing enterprise information, carrying out enterprise credit evaluation, rating, consulting, training, market research, database services and technical services; Computer software and network technology development, sales, training, transfer, system operation and maintenance; Sales of computer software and hardware; Conference planning. (Except for the items prohibited by the above-mentioned laws and administrative regulations; Projects restricted by laws and administrative regulations can only be operated after obtaining a license), and the licensed business projects are: personal credit investigation business.
What is a hundred banks' credit investigation? What's the difference with China People's Bank?
What we usually refer to as credit investigation mainly refers to the database of credit investigation system which is in charge of the Credit Investigation Center of the People's Bank of China. It has the characteristics of large scale, large number of people, comprehensive information collection and wide coverage. So, what is a hundred banks' credit reporting? What is the difference between it and the credit information system of China People's Bank Credit Information Center? Let's get to know each other.
1. What is the credit report of 100 banks?
1, a market-oriented company that has obtained the business license for personal credit information, has formal qualifications for credit information business.
2. China Internet Finance Association was established together with eight market institutions including Sesame Credit, Tencent Credit, Qianhai Credit and Koala Credit.
3. People have corresponding mobile app for credit investigation, which can provide individuals with one-stop services such as credit report inquiry, objection appeal, credit consultation question and answer.
4. In 2020, Baixing Credit Information will complete the filing of enterprise credit information business, and can also provide credit information services for enterprises, and use credit information products of small and micro enterprises to solve the problems of "difficult and expensive financing".
Second, the difference between Bai Hang and China People's Bank.
1. Baixing Credit Information Co., Ltd. is a market-oriented company, and the Credit Information Center of the People's Bank of China is an institution directly under the central bank.
2. The People's Credit Information System covers more than 2,000 financial institutions and serves more than 0,000 financial enterprises nationwide. The service scale of the credit information system of the People's Bank of China has basically covered every individual and enterprise with credit activities in China, making it the largest credit information system in the world.
3. Hundreds of banks have cooperated with Chengdu Branch of China People's Bank and Shenzhen Central Branch of China People's Bank to provide better credit services.
The above is about "what is the credit investigation of 100 banks?" I hope it can help you.