1. Individuals with ID cards and other documents can go to the credit information window of the local branch of the People's Bank of China to check the credit information.
Two, individuals at home can also log on to the website of China People's Bank Credit Information Center. After registration, they can choose to check their personal credit records.
3. Individuals can also check the credit report on the official website of China Merchants Bank and China Bank.
Fourth, now some banks' mobile apps can also check credit information, such as China Merchants Bank APP. The mobile banking app inquires about the credit report, and the credit report will be sent to your mailbox by email.
What are the credit databases?
1, enterprise credit information database
After the collection, processing and entry of hundreds of branches in 10 and the daily optimization and maintenance of hundreds of staff, there are now more than 20 million enterprise databases in China, involving hundreds of millions of valuable enterprise credit information, and the longest traceability of credit information can reach 8 years, thus establishing the largest enterprise credit information database in China.
2, enterprise credit information is divided into six categories.
They are government supervision information, bank credit information, industry evaluation information, media evaluation information, enterprise operation information and market feedback information. Among them, government supervision information includes enterprise basic qualification, quality inspection information, administrative license/recognition, administrative reward and punishment information, trademark/patent/copyright information, and people's court judgment; Bank credit information includes China People's Bank credit evaluation information, commercial bank credit evaluation information, micro-loan companies and private lending evaluation information;
Industry evaluation information includes industry association (community organization) evaluation information, water, electricity, gas, communications and other public institutions evaluation information; Enterprise operation information includes enterprise financial information and enterprise management system evaluation information; Market feedback information (including real-name evaluation information of consumers, counterparties, partners, employees and other different identities).
3. Tens of millions of enterprise databases and millisecond keyword retrieval.
Enterprise databases include more than 90% domestic enterprises and some large foreign enterprises, and the number of enterprise databases reaches tens of millions. Due to the use of the most advanced retrieval technology, the time for searching enterprises in the system can be shortened to millisecond level, which gives users a good search experience.
4. Information collection channels
All the data in the enterprise credit file are true and reliable, and each data keeps the record of the original voucher, leaving true and reliable information for future reference and enterprise query.
5, error correction function
The authenticity of each credit file must be inspected and supervised by enterprises and all sectors of society. If there is any discrepancy, you can log in to the system to submit a modification application, and the staff will handle it in time every day.
6. Credit right protection function
When logging into the credit file management system, an enterprise can submit valuable enterprise credit information to apply for adding its own credit file, which will be included in the credit file after being verified by credit investigators. This is also an effective mechanism for the continuous improvement of credit files.
7. Identify and distinguish enterprises that have been stopped, cancelled or cancelled.
In the background management system, the staff can maintain the enterprise data in the enterprise database and delete and modify the basic information of unclaimed enterprises according to the actual situation. Of course, this is strictly controlled by authority. The registered or claimed enterprise can only modify the basic information by itself, and the staff have the right to inspect and supervise the information.
8. There is a clear distinction between trustworthy enterprises and untrustworthy enterprises.
The intelligent identification engine will automatically and accurately analyze the credit files of each enterprise. Once an enterprise is found to have unqualified products inspected by relevant departments in the past year, the enterprise will be automatically identified as an enterprise with untrustworthy quality by the system, and vice versa. Intelligent identification engine provides users with the first starting point to understand the enterprise.
9. Real-time comments and post supervision
Netizens can comment on enterprises and praise or complain about related enterprises. In terms of complaints, in order to better collect data, they have subdivided various complaints, such as product quality, service quality, after-sales service, overlord clause, false advertising, fraud, infringement, environmental protection, tax evasion and so on.
The comment management system enables enterprises to reply to the comments of netizens, and netizens can also express satisfaction or dissatisfaction with the final reply of enterprises. The final opinion will eventually be included in the enterprise credit file and kept permanently as the enterprise market feedback file.