The originator of the central bank's credit reporting is the People's Bank of China. The main sponsor of Baixing Credit Information is China Internet Finance Association, with a shareholding ratio of 36%; In addition, there are eight co-sponsors including Sesame Credit, Tencent Credit, Qianhai Credit, Peng Credit, Zhongcheng Credit, Koala Credit, Zhongzhicheng Credit and Beijing Huadao Credit. The shareholding ratio of these eight credit reporting companies is 8%.
2. The nature of institutions is different.
The Credit Information Center of the People's Bank of China is a platform under the People's Bank of China, a public institution directly under the People's Bank of China, and a core basic credit database in China at present. Not for profit, but mainly to provide basic credit services for the public. At present, every citizen has two free inquiry opportunities every year.
Baixing Credit Information System is a credit information system organized by some credit information institutions in the society. Essentially, it is an enterprise, aiming at profit. It provides credit information for enterprises and individuals, and then charges a certain fee (at present, the 100-bank credit information is not open to individuals).
3. The recorded contents are different.
The contents recorded in the personal credit information system of the central bank are relatively simple, including some conventional personal information, credit, credit cards, guarantees, public information, inquiry records and so on.
The contents of people's credit records are very rich. In addition to the contents recorded by the central bank, Baixing Credit Information will also record more abundant information, such as education, occupation, judicial records, social information records, real estate and automobile production records, company equity, online shopping behavior and so on.
Baidu Encyclopedia-China People's Bank Credit Information System
Baidu Encyclopedia-Credit Information of 100 Banks