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.
Functions of credit investigation:
Credit investigation plays an important and fundamental role in promoting the development of credit economy and the construction of social credit system.
The first is to guard against credit risk. Credit information reduces the information asymmetry of all parties to the transaction and avoids the transaction risk brought by information asymmetry, thus playing a role in risk judgment and disclosure.
The second is to expand credit transactions. Credit investigation has solved the bottleneck problem that restricts credit transaction, promoted the achievement of credit transaction, promoted the innovation of financial credit products and commercial credit products, effectively expanded the scope and mode of credit transaction, and promoted the expansion of credit economy.
The third is to improve the efficiency of economic operation. Through specialized credit information services, the cost of information collection in transactions can be reduced, the transaction time can be shortened, the transaction space can be broadened, the operating efficiency of economic entities can be improved, and economic and social development can be promoted; The fourth is to promote the construction of social credit system.
Credit information industry is an important part of social credit system construction. The development of credit information industry is helpful to curb the occurrence of bad credit behavior, protect the interests of trustworthy people, maintain a good economic and social order, and promote the continuous development and improvement of social credit system.