1. Credit Wallet is a consumer financial service platform launched by Beijing Zhongxin Limin Information Technology Co., Ltd. Credit Wallet can automatically generate credit reports according to the information provided by users, integrate the Internet and traditional data sources, estimate the available credit loan amount, match the best lending institutions according to the characteristics of users, provide services of automatically pushing credit reports and loan requirements to loan companies, and track and feedback the loan process throughout. Full-process financial-grade encryption ensures the safety of personal information.
Credit wallet [1][2] is an application aimed at individuals and small and micro enterprises, which can quickly quantify the economic and financial situation, automatically generate credit reports and help them obtain low-cost loans quickly. Credit wallet can not only automatically generate a credit report and estimate the available credit loan amount according to the information provided by users, but also match the best lending institution according to the characteristics of users, and provide the loan company with the service of automatically pushing the credit report and loan demand and tracking and feeding back the loan process throughout. Full-process financial-grade encryption ensures the safety of personal information.
Second, the People's Bank of China has organized commercial banks to build enterprise and individual credit information systems, and has established credit files for130,000 enterprises and nearly 600 million natural persons nationwide. In other words, the credit status of these enterprises and individuals engaged in economic and financial activities will be recorded on the "economic identity card" and become a file that will always accompany the enterprise (himself). If loans overdue has any other breach of contract, then the "economic identity card" will be marked with a gray stroke, and you may face more cautious and critical eyes when applying for loans from banks in the future.
Credit information can restrain the behavior of enterprises and individuals from the system, which is conducive to the formation of a good social credit environment. China has advocated the virtue of honesty and trustworthiness since ancient times, and promoted the formation of the concept of honesty through moral criticism. Honesty is a kind of social morality and a basic principle of communication with people.
Third, the emergence of credit information makes it easier for banks to know your credit status: they hand over their credit information about you to a special institution for summary, and this special institution will establish a credit file (that is, a personal credit report) for you and then provide it to banks for use. This kind of activity that banks enjoy credit investigation through third-party institutions is credit investigation. In order to improve efficiency, save time and do things for you quickly. With the intervention of credit reporting agencies and credit reporting, when you borrow from the bank again, the bank loan officer can check your credit reporting with your consent, and then spend some time focusing on verifying some problems, and will soon tell you whether the bank will provide you with loans. Banks save trouble, you worry. In China, the Credit Information Center of the People's Bank of China (hereinafter referred to as the Credit Information Center) is a specialized institution that establishes your "credit file" and provides personal credit information for commercial banks.