1. What is the use of the credit report of 100 banks?
China has a vast territory with a population of 654.38+0.4 billion, and the credit information system is not complete. The only authoritative central bank credit information center is only for financial institutions and some licensed consumer finance companies.
Since 20 15, the country officially opened the private personal credit information market, and the first batch of eight pilot institutions began to explore and develop. Three years later, the regulator responded that none of the eight institutions preparing to open personal credit information was qualified.
In fact, the emergence of these private credit rating agencies, to some extent, made up for the blank of the central bank's credit information. It is precisely because of the vigorous development of these institutions in the field of credit reporting that the word credit has become something that everyone can see and touch. However, it is normal for the state to be cautious about this license. After all, the consequences of information disclosure and abuse are incalculable.
On February 22, 20 18, the decision on administrative license of the People's Bank of China was announced, and People Credit Information Co., Ltd. obtained the first personal credit information business license in China. Eight private individual credit reporting agencies that were piloted before suddenly became shareholders of 100 banks, accounting for 8% of the shares respectively, which means that they have changed from single-handedness to unified management, and their respective information will be enjoyed reasonably.
2. What is the difference between the credit report of 100 banks and the credit report of the central bank?
1, the credit information collected by the central bank is still relatively narrow. If you are a student, a newly graduated office worker, and have never done business in financial institutions such as banks, then you can't get more customer behavior and judge customer integrity.
2. Data resources. Hundreds of bank credit bureaus have different data items. In addition to financial data, each bank is also collecting other data, including life data, e-commerce data and other transaction data.
3. The products of 100 bank credit reporting agencies are more abundant. In addition to the credit report, eight credit reporting agencies have their own scores, as well as deeper models, precision marketing and big data services.