First of all, we must understand the development of credit reporting. The earliest credit information agency was called China Credit Information Office at 1932, which was the beginning of the development of our credit information industry. On 1993, Xinhua Xin International Information Consulting Co., Ltd., which focuses on corporate credit reporting, officially provided services to the outside world, which marked the formal establishment of Xinhua Xin International Information Consulting Co., Ltd., an enterprise that focuses on providing relevant services for corporate credit reporting. From 65438 to 0996, the People's Bank of China began to implement the enterprise loan system throughout the country, and from 65438 to 0997, the credit rating of enterprises in Shanghai was approved by the People's Bank of China.
Shanghai conducted a pilot project of personal credit investigation, and 1999 established Shanghai Credit Investigation Co., Ltd. and began to engage in personal credit investigation and corporate credit investigation services. At the end of 1999, the bank credit registration and consultation system was put into operation. In 2002, the bank credit registration and consultation system was completed, and the nationwide online inquiry was realized. In 2004, the People's Bank of China established a national centralized and unified basic database of personal credit information. In 2005, the bank credit registration consulting system was upgraded to a centralized and unified enterprise credit information basic database in China. On March 20 13, the Regulations on the Administration of Credit Information Industry was formally implemented, which made it clear that the People's Bank of China was the supervision and management department of the credit information industry.
With the continuous improvement and perfection of relevant laws in China, China's credit information system has basically built a basically sound social system.
China's credit information system covers four major credit information systems.
I. Bank Credit Information System
Second, the tripartite credit information system.
Three. Xinlian credit information system
Fourth, the big data credit information system.
I. Bank Credit Information System
It records the historical information of credit transactions between customers and banks. As long as the customer has handled credit card, loan or guaranteed credit business for others in the bank, the basic information and account information registered in the bank will enter the personal credit information system through the data submitted by the commercial bank, thus forming the customer's credit report.
Second, the third-party credit information system.
These institutions use their own system or technical advantages to collect, process and sort out the subject information, obtain the subject credit by using specific models, and then provide services to credit institutions, including our current Alipay or JD.COM.
Three. Xinlian credit information system
Xinlian is the first licensed credit reporting agency approved by the central bank, which will record the credit situation of the whole network of the Internet finance industry. China Internet Finance Association and eight credit reporting companies jointly initiated the establishment of 100 credit reporting companies with a registered capital of 1 100 million yuan. Among them, China Internet Finance Association holds 36% of the shares, and eight credit platforms, namely Sesame Credit, Tencent Credit, Shenqianhai Credit, Pengyuanzheng Credit, China Chengxin Credit, Koala Credit, China Zhicheng Credit and Beijing Huadao Credit, each hold 8% of the shares, thus establishing our current credit union.
Fourth, the big data credit information system.
Data sets that conventional software tools can't capture, manage and process in a certain period of time are massive information assets that need to be processed first, so as to have stronger decision-making, insight and discovery, and process optimization capabilities. The innovation of big data credit reporting is mainly manifested in four aspects: wide coverage, high information latitude, rich application scenarios and comprehensive credit evaluation, which has brought about the reduction of credit reporting cost and the improvement of credit reporting efficiency. Big data is also a hot topic at the moment.
Personal credit report is the most basic product provided by personal credit information system, which records the historical information of credit transactions between customers and banks. As long as the customer has handled credit business such as credit card, loan or guarantee for others in the bank, the basic information and account information registered in the bank will enter the personal credit information system through the data submitted by the commercial bank, thus forming the customer's credit report. The information in the personal credit report mainly includes six aspects: 1 the verification result of the Ministry of Public Security's identity information, 2 personal basic information, 3 bank credit transaction information, 4 non-bank transaction credit information, 5 personal statements and objection marks, and 6 historical information inquiry.
At present, the use of personal credit reports is limited to commercial banks, and the financial institutions that handle credit according to law are mainly housing provident fund management centers, finance companies, auto finance companies and microfinance companies. Consumers can obtain their own credit reports from China People's Bank according to different users.
Personal credit reporting system provides different versions of personal credit reports, including bank version, personal inquiry version (detailed version and simplified version) and internal version of credit reporting center, which serve commercial banks, financial institutions, consumers and the People's Bank of China respectively. Commercial banks, consumers and the People's Bank of China must obtain the written authorization of the inquired person and keep a copy of the inquired person's ID card when inquiring about personal credit reports. The personal credit information system realizes that all branches of commercial banks in China can access and query the credit information of any individual in the country. According to the Interim Measures for the Administration of Basic Data of Personal Credit, commercial banks can only inquire about personal credit reports from the personal credit information system when handling the following businesses:
1. When reviewing applications for personal loans, credit cards or quasi-credit cards,
2. When examining individuals as guarantors
3. When managing the post-loan risk of personal credit that has been issued.
4. When accepting loan applications from some legal persons or other organizations or their guarantors, it is necessary to check the credit status of their legal representatives and investors.
Consumers can check their credit reports and submit written applications to the credit centers, credit branches and branches of the local people's bank.
Third-party credit information comes from e-commerce, public platforms and social platforms. Through these platforms, relevant information is captured and incorporated into third-party credit reporting institutions, and then exported to some data service institutions in need through third-party credit reporting institutions.
Xinlian is the overlord of various credit reporting agencies in China, each with its own magical powers and fields. Sesame Credit uses the transaction records of Taobao, Tmall and Alipay to judge the credit of a merchant or a person; Tencent uses social tools and WeChat transaction records to judge a person's credit; Qianhai can rely on the customer information of hundreds of millions of enterprises and individuals of Ping An Group and its Ping An insurance records in Ping An Group. In other words, the information integration of China Banking Regulatory Commission, the largest shareholder of the Internet, and eight institutions has become a credit portrait of China's population of 654.38+04 billion.
Ma Yun cheered and wept: his long-awaited dream of making credit equal to wealth and making people who speak credit get rich first can finally come true! ! As long as you scan a person's face in the future, you can see your credit value at a glance. Can I do business with you and dare to fall in love with you? Take a look at your credit score first, so that the sentence "One hundred lines of credit comes first, stand by and lose faith in others" will really become a reality. Credit integration, highlighting the encirclement.
Big data has become a brand-new production resource, and the quantity, variety and speed of data are exploding. Therefore, the financial industry has always been an industry dealing with numbers and risks. Whether it is the improvement of customer experience or the breadth of financial branches, it needs the support and escort of big data capabilities. Big data technology is becoming the focus of financial customers' attention. Big data helps financial customers to mine the vast amount of information they have, and can also achieve accurate user behavior.
The core value of credit is that future credit should be established from now on, because in the future, we will all use credit for financing and credit for lending, and credit can be enlarged. Credit is the biggest intangible asset of each of us, so we must cherish it, make good use of it and give play to the dividends it brings.
We often hear about credit financing. Let me start with the composition of credit financing.
It constitutes a data system created by the credit information of each of us.
1 and 55% are composed of credit information and big data.
2.25% of tangible assets, including real estate, cash, wealth management, etc.
3. 15% is your intangible assets, including intellectual property, social status, rights, word of mouth and so on.
4, 5% belongs to environmental factors, including your city contacts and so on.