According to Baidu Law, there are discrepancies in the interpretation of figures by the People's Bank of China, which means that there are problems in personal credit reporting, which may affect the credit evaluation of credit reporting agencies. Digital Interpretation uses credit data for quantitative evaluation, and the evaluation results reflect the basic information, history and default risk of customers. The higher the score, the lower the possibility of default. If the score is not up to standard, there is a great possibility of default.
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.