Online China People's Bank Credit Information Enquiry Center official website can inquire, one online and one offline, only these two places can inquire, and others can inquire through a third party.
Credit institution: refers to a legal person institution that is approved to be established in accordance with relevant regulations, collects personal credit information, and provides personal credit information consultation and rating services to commercial banks and other users of personal credit information;
Refers to the enterprise legal person engaged in credit reporting business activities approved by the credit reporting supervision and management department. It is a third-party organization other than the two parties to the credit transaction, with a certain scale of credit information database.
In a narrow sense, a credit reporting agency refers to a profit-making information service professional institution specializing in the collection, processing, evaluation and dissemination of credit information. Generally speaking, it refers to an enterprise legal person that is approved by the credit supervision and management department and specializes in credit business activities.
Credit agencies are usually divided into three categories, namely, enterprise credit agencies, individual credit agencies and property credit agencies. The concept of credit reporting agency can also expand the types of enterprises in other credit management industries, such as credit rating, enterprise collection, credit management consulting and other institutions, and even produce different titles.
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.