Yirendai (NYSE: YRD) is an online financial service platform in China, which was launched by CreditEase on 20 12. Yirendai provides credit loan consulting services for white-collar workers in China through the Internet, big data and other scientific and technological means, and provides financial consulting services for investors through the online platform of Yirendai.
On 20 15 12 18, pleasant loan was successfully listed on the NYSE, becoming the first overseas listing of internet finance in China.
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.
2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council published the Regulations on Credit Information Management (Draft for Comment) to solicit opinions from all sectors of society.