First of all, to understand the history of the development of credit, the earliest is the first credit agency in 1932 called the Chinese credit agency, he is the beginning of the development of our credit industry, to the 1993 specializing in enterprise credit Xinhua letter international information consulting company limited to provide services to the public formally, which marked the Xinhua letter international information consulting company limited to provide services to the public formally established, he is specializing in the development of the credit industry, the development of the industry, the development of the industry, the development of the industry and the development of the industry. was formally established, he is specialized in providing related services for enterprise credit enterprises, the People's Bank of China in 1996 to implement the enterprise loan system in the country in 1997, Shanghai to carry out enterprise credit rating, approved by the People's Bank of China,
Shanghai City, personal credit pilot, 1999 Shanghai Credit Limited was established, began to engage in personal credit and enterprise credit services. At the end of 1999, the bank credit registration and consulting system was online, in 2002, the bank credit registration and consulting system was completed to realize the national network query, in 2004, the People's Bank of China completed the national centralized and unified basic database of personal credit information, in 2005, the bank credit registration and consulting system was upgraded to the national centralized and unified basic database of enterprise credit information, in March 2013, the regulations on the management of credit collection In March 2013, the regulations on credit management were formally implemented, specifying the People's Bank of China as the supervisory and management department of the credit industry, and the credit industry stepped into the track of having a legal basis, which is the history of the development of China's credit industry.
With the continuous improvement and soundness of China's relevant laws, to date, China's credit system has been basically built into a basically sound social system
China's credit system covers four major credit systems
First, the bank's credit system
Second, such as the tripartite credit system
Third, the credit system
Fourth, big data credit system
Fourth, the credit system
The credit system of the People's Bank of China, the People's Bank of China and the People's Republic of China. Data Credit System
First, the bank credit system
records the history of credit transactions between the customer and the bank, as long as the customer has applied for a credit card, a loan or guaranteed credit business for others in the bank, his basic information and account information registered in the bank will enter the personal credit system through the commercial bank's data reporting, thus forming the customer's credit report. The report will be published on the website of the company.
Second, the third-party credit system
These institutions use their own systems or technical advantages to collect, process, and organize the subject's information, use a specific model to derive the subject's credit, and then provide services to credit-granting institutions, including our current Alipay or Jingdong.
Third, the credit union credit system
The credit union is the first licensed credit agency approved by the central bank, which will record the credit situation of the entire network of the Internet financial industry, the hundred lines of credit by the China Internet Finance Association and eight credit companies *** with the preparation of the construction, the company's registered capital of RMB 1 billion. The company's registered capital is RMB 1 billion. The China Internet Finance Association holds 36% of the shares, and the eight credit platforms of Sesame Credit, Tencent Credit, Shenzhen Qianhai Credit, Peng Yuan Credit, Zhongcheng Credit, Koala Credit, and Zhong Zhicheng Credit and Beijing Huadao Credit each hold 8% of the shares, which set up our current credit union.
Fourth, the big data credit system
refers to a certain time frame, the use of conventional software tools to capture, manage and process the collection of data is the need to deal with the model, in order to be able to have a stronger decision-making power, insights, discovery, and process optimization ability of the massive information assets, and the innovation of the big data credit is mainly in the coverage of the population, information latitude, application of rich scenarios and comprehensive credit assessment of four aspects of the broad, the information latitude, and the application of the data. The innovation of big data credit collection is mainly manifested in the four aspects of extensive coverage of people, far-reaching information latitude, rich application scenarios and comprehensive credit evaluation, which has brought about the reduction of the cost of credit collection and the improvement of credit collection efficiency. Big data is also a hot topic nowadays.
The personal credit report is the most basic product provided by the personal credit system, which records the historical information of the credit transactions between the customer and the bank. As long as the customer has applied for a credit card, a loan, or guaranteed credit services for others in the bank, the basic information and account information registered in the bank will be entered into the personal credit system through the data reporting by the commercial bank, which will form the customer's credit report. The information in the credit report is mainly about the customer's creditworthiness. The information in the personal credit report mainly has six aspects: 1 the result of identity information verification by the Ministry of Public Security, 2 personal basic information, 3 bank credit transaction information, 4 non-bank transaction credit information, 5 declaration and objection marking by the person himself, and 6 query history information
The use of the personal credit report is currently limited to commercial banks, and financial institutions that handle credit according to the law are mainly the Housing Provident Fund Management Centers, financial companies, automobile finance companies, microfinance companies, etc. The credit report can also be used to provide information about the customer's credit history, and the customer's credit history. Financial institutions that handle credit according to the law are housing fund management centers, finance companies, automobile finance companies, microfinance companies, etc. Consumers can obtain their credit reports from the People's Bank of China depending on who they are using them for.
The personal credit report system, which provides different versions of personal credit reports, including the bank version, the personal inquiry version (detailed and simple version), and the internal version of the credit center in three versions, serves commercial banks, financial institutions, consumers, and the People's Bank of China (PBoC), respectively. Regardless of whether it is a commercial bank, a consumer, or the PBoC inquirer inquiring about a personal credit report, he or she must obtain a written authorization from the person inquired about, and The personal credit system has been realized in all commercial bank branches in the country can access and query any individual in the nationwide credit information, according to the provisional management of personal credit data in the provisions of the commercial banks can only handle the following business to the personal credit system to query the personal credit report:
1, review personal loans, credit card or quasi-credit card applications
2, when reviewing individuals as guarantors
3, when conducting post-loan risk management for issued individual credits
4, when accepting loan applications from legal persons or other organizations, or when their guarantors need to inquire about the credit status of their legal representatives and contributors
Consumers can inquire about their credit reports from the credit bureau, credit sub-centers, and local credit bureaus.
Consumers can submit a written application to the credit collection center, credit collection sub-center, and the local branch of the People's Bank of China to inquire about their credit reports
Third-party credit collection comes from e-commerce, public **** platforms, and social networking platforms, and these platforms are used to capture relevant information for inclusion in the third-party credit collection agency, and then exported through the third-party credit collection agency to the data service providers that need it.
Credit Union is the dominant credit bureau in China, each with its own magic power and each with its own field. Sesame Credit uses Taobao, Tmall, and Alipay transaction records to judge a merchant's or a person's credit; Tencent uses social networking tools and WeChat transaction records to judge a person's credit; Qianhai can rely on hundreds of millions of Ping An Group's enterprises and individuals' customer information as well as their records of Ping An Group's Ping An Insurance. Group's Ping An Insurance record. In other words the information integration of the Internet's largest shareholder, the CBRC, and eight organizations **** the same constitute a credit portrait of China's 1.4 billion people.
Ma Yun cheered and wept: his long-awaited dream of making credit equal to wealth, and letting creditworthy people get rich first, can finally be realized! In the future, as long as you sweep a person's face how much your credit value at a glance, can not do business with you, dare not fall in love with you first look at your credit score, so we have a hundred lines of credit for the first, people do not have a letter and not stand these words are about to really become a reality, credit fusion, the dragnet.
Big data has become a brand new production resource, the number, type and speed of data in an explosive way, then the financial industry has never been an industry dealing with numbers and risks, no matter whether the customer's experience to improve or financial sub-line wide thick need to have the support of the ability of big data and escort, big data technology is increasingly becoming the focus of attention of the financial customers, and big data help Financial customers to tap the massive amount of information they have, the same can be done precise user behavior
The core value of credit is that the future of credit should be built from now on, because in the future we are using credit to finance, credit to loan, credit can be enlarged, credit is the largest intangible asset of each of us, so we must cherish credit, use credit, play credit The first thing you need to do is to get a good deal on the credit card.
We often hear that credit financing, the following is the composition of credit financing?
A system of data that is made up of each of our credit information
1, 55% of which is made up of credit information and big data
2, 25% of which is tangible assets, including real estate, cash, and financial management, etc.
3, 15% of which is your intangible assets, including intellectual property rights, social status, rights, and reputation, etc.
4, 5% of which is environmental factors, and the rest of which is the result of the credit information. 4. 5% belongs to the environmental factors, including your urban network and so on