2. Personal credit information refers to the activities of credit reporting institutions to collect and store personal credit information scattered in various commercial banks and social related aspects through agreements with information providers such as commercial banks, and form a personal credit information database.
3. Credit service is a series of activities to comprehensively evaluate the credit status (including repayment ability and willingness) of the trustee (debtor) and provide classified credit information to customers. Participants and stakeholders in credit activities appear in the form of reports. According to the object and purpose of credit service, credit service mainly includes enterprise credit service, personal credit service and credit service.
Personal credit report:
1. A personal credit report is a document issued by a credit bureau to record your past credit information. It is an individual's "economic identity card". It can help your trading partners understand your credit status and promote you to reach economic and financial transactions.
2. China's name is gender identity, ID number, etc. As adult citizens of China, we all have China ID cards. Citizens of other countries also have such identity documents. The name may be different, but the function is the same: to prove that you are a natural person. So no one can do without this ID card. With the development of market economy, everyone's economic activities are increasing. Besides proving who you are, you need a convenient and reliable tool to show whether you are reliable as an economic activity. This tool is a personal credit report. It records your performance in past credit transactions, and can help your trading partners get to know you better and make a decision on whether to trade with you as soon as possible.
Personal credit report has been very popular in Europe and America. Almost everyone who has economic activities has a personal credit report, and the application of personal credit report is more common. It has penetrated into almost every major personal economic activity, including buying a house with a loan, applying for a credit card, buying insurance, renting a house, looking for a job, enjoying government benefits and so on. Almost nothing can be done without a personal credit report. The application of personal credit report is more and more extensive, and its function is more and more like our "resident identity card", which people call "economic identity card" figuratively.
4. Classification of reports. Generally speaking, personal credit reports are divided into two categories. One for you. Including all the information you have, including which bank gives you a loan and which telecom operator provides you with the service of calling first and paying later; Another kind of credit report is aimed at banks or other institutions, including all your credit transaction information. However, for the sake of fair competition, the name of the institution that provides you with loans or other credit services is not recorded in the personal credit report, that is, there is no information about the institution that conducts credit transactions with you, unless it is the institution that inquires about your credit report.
5. Purpose of the report: At present, personal credit reports are mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in various commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report provides a way for individuals to review and standardize credit behavior, and also forms a verification mechanism for personal credit information.