Four ways to check credit reports:
1. Individuals bring their ID cards and other documents to the credit report window of the local branch of the People's Bank of China to check the credit report.
2. Individuals can also log on to the website of the Credit Reference Center of the People's Bank of China at home. After registration, they can choose to check their personal credit records.
3. Individuals can also check credit reports on the official websites of China Merchants Bank and Bank of China.
4. Some banks’ mobile APPs can now also check credit reports, such as: China Merchants Bank APP, etc. Check your credit report on the mobile banking app, and the credit report will be sent to your mailbox by email.
What are the credit databases?
1. Enterprise credit information database
After 10 years of collection, processing and entry by hundreds of branches, the daily With the hard work of hundreds of staff in optimization and maintenance, it already has a database of more than 20 million enterprises in China, involving 100 million pieces of valuable enterprise credit information, and the credit information can be traced back as far as 8 years, establishing a Chinese The largest database of corporate credit information.
2. Corporate credit information is divided into six categories
They are government regulatory information, bank credit information, industry evaluation information, media evaluation information, corporate operation information, and market feedback information. The government supervision information includes enterprise basic qualifications, quality inspection information, administrative licensing/identification, administrative rewards and punishment information, trademark/patent/copyright information, and People's Court judgments; bank credit information includes People's Bank of China credit evaluation information and commercial bank credit evaluation information. , small loan companies and private lending evaluation information;
Industry evaluation information includes evaluation information of industry associations (organizations), evaluation information of water, electricity, gas, communications and other public institutions; enterprise operations The information includes corporate financial information, corporate management system evaluation information; market feedback information (including real-name evaluation information of consumers, counterparties, partners, employees, etc.).
3. Ten-million-level enterprise database and millisecond-level keyword search
The enterprise database includes more than 90% of domestic enterprises and some large foreign enterprises. The number of enterprise databases reaches tens of millions, and due to the use of the most advanced retrieval technology, the time to search for enterprises in the system can be shortened to milliseconds, allowing users to have a good search experience.
4. Information collection channels
All data in corporate credit files are true and reliable data, and each piece of data retains the record of the original issuance for future reference and corporate questioning. Authentic and reliable information.
5. Error correction function
The authenticity of each credit file is subject to inspection and supervision by the enterprise and all walks of life. If discrepancies are found in the file, you can log in to the system to submit a modification application. Staff will handle it promptly every day.
6. Credit rights protection function
Enterprises can log in to the credit file management system and submit valuable corporate credit information to apply for adding their own credit files. All of them can be included after verification by credit investigators. to your credit file. This is also an effective mechanism for the continuous improvement of credit files.
7. Identify and distinguish stopped, revoked, and canceled enterprises
In the backend management system, staff can maintain the enterprise data in the enterprise database and process unclaimed enterprises according to the actual situation. Perform operations such as deleting and modifying basic information. Of course, this is subject to strict permission control. Companies that have registered or claimed can only modify basic information on their own, and staff have the right to inspect and supervise the information.
8. There is a clear distinction between trustworthy companies and dishonest merchants
The intelligent identification engine will automatically and accurately analyze each corporate credit file. Once it is discovered that the company has been inspected by relevant departments in the past year For unqualified products, the company will be automatically identified by the system as a quality-dishonest company, and vice versa as a trustworthy company. The intelligent recognition engine provides users with the first starting point to understand the enterprise.
9. Real-time comments and post-event supervision
Netizens can comment on companies, praise or complain about related companies. In terms of complaints, in order to better centralize data, various Complaints are divided into categories, such as "product quality", "service quality", "after-sales service", "overlord clauses", "false advertising", "fraud", "infringement", "environmental protection", "tax evasion", "Labor disputes", "private lending", etc. have become mirrors for corporate management and operations.
The comment management system allows companies to reply to netizens' comments, and netizens can also express satisfaction or dissatisfaction with the company's final reply. The final comments will be included in the company's credit file and stored permanently as the company's market feedback file.