Network credit information refers to a website called "network credit blacklist", which is unofficial. The Credit Information Center of China People's Bank is a public institution directly under the People's Bank of China.
2. The scope of management is different.
Online credit information is mainly to count the blacklist of online merchant loans. In addition to the blacklist of bank loans, bank credit information also includes records of bad behaviors such as bankruptcy. The main users of the basic database of enterprise and personal credit information are financial institutions.
3. Information is collected from different sources.
The sources of online loan credit information are basically some online loan companies, which are not directly related to banks. The source of bank credit information collection is banks, and the information source of the basic database of enterprise and personal credit information is mainly financial institutions such as commercial banks. The information collected includes the basic information of enterprises and individuals, credit information such as loans and guarantees in financial institutions, and the main financial indicators of enterprises.
Extended data
Bank credit network structure
Financial institutions are connected with the headquarters of commercial banks and other financial institutions through a dedicated line (that is, one-stop access), and the terminals extend to the credit counters of branches of commercial banks through the intranet system of commercial banks, so as to realize the function that corporate and personal credit information flows from financial institutions into the corporate and personal credit information system on a regular basis and flows to financial institutions in real time after being summarized.
Among them, the former shows that financial institutions submit data to the basic database of enterprise and personal credit information, while the latter shows that financial institutions query the basic database of enterprise and personal credit information in real time according to relevant regulations. The data submitted by financial institutions to the basic database of enterprise and personal credit information can be connected by special lines or by media such as disks.
The Credit Information Center of the People's Bank of China and commercial banks have established various internal management systems and operational procedures such as data submission, inquiry, use, objection handling and safety management. The basic database of enterprise and personal credit information has established a perfect user management system, which implements hierarchical management, authority control, identity authentication, activity tracking and data subject (enterprise and individual) supervision for users.
Data transmission pressure encryption; Safe backup and recovery of systems and data; Hire domestic first-class network security management experts to evaluate system security, effectively prevent computer viruses and hacker attacks, and establish a comprehensive and effective security system.
Baidu Encyclopedia-Blacklist of Online Credit
Baidu encyclopedia-China people's bank zhengxin center