Traditionally, only the bank's version of credit can be queried, the so-called credit score of individuals basically belongs to a third-party organization based on big data, such as the score of a treasure, as well as the score of a letter, does not have the reference, because banks and other financial institutions to look at the main financial institutions to look at the People's Bank of China's credit report.

The "numerical interpretation" of the credit report is a comprehensive assessment of the credit information on the credit report, which is a quantification of the information on the personal credit report, giving a score to the credit report, which is used for predicting the possibility of the credit subject's future loan overdue, judging the credit status of the credit subject, and serving as a basis for the financial institutions to manage the credit (before, during, and after the loan). , mid-credit and post-credit) tools of financial institutions.

The "Digital Interpretation" of personal credit report adopts the international leading scoring model development technology, utilizes the historical credit records of personal credit system, predicts the probability of default of the credit subject in the next two years in an objective and quantitative way, and displays the value in the form of "Digital Interpretation". It is displayed in the form of "numerical interpretation" value, aiming to help credit-granting institutions to use credit report information more conveniently, quickly and consistently, and to achieve the purpose of managing credit risks more accurately and effectively. By enriching the "Digital Interpretation" query channels and improving the scoring function, the Credit Collection Center of the People's Bank of China has steadily improved the efficiency and stability of the "Digital Interpretation" query service.

"Numerical Interpretation", as shown in the summary of information in the second part of the personal credit report (bank version), is a typical generalized credit risk score, which is an empirical model constructed on the basis of actual credit data in the past of the subject of the information, and is used for predicting the likelihood of the subject of the information defaulting on the credit report. The "numerical interpretation" score ranges from 0 to 1,000, with the score representing the creditworthiness of the information subject and the likelihood of future default. As the score goes from low to high, the likelihood of future default of the information subject becomes lower and lower. Financial institutions can consider whether to grant credit and the amount of credit to be granted based on such scores, combined with internal scores. This product is an efficient personal credit risk quantification service tool common to the international credit industry, and is an indispensable tool in the automated decision-making of modern credit institutions.

"Digital Interpretation" scores cover all people with credit records in the credit system (more than 500 million people), and the scope of evaluation includes credit cards, home mortgages, loans to farmers, personal consumer loans, personal business loans, etc., but does not include the individual's basic information (including age, gender, occupation, place of origin, address, etc.), origin, address, etc.) and information other than credit information. As of the end of 2016, "Digital Interpretation" has been verified and tried out by 105 financial institutions nationwide, among which 53 institutions*** have opened credit report query privileges containing "Digital Interpretation", 48 institutions have query behaviors, and the personal credit system contains "Digital Interpretation" and "Digital Interpretation". The cumulative number of inquiries on credit reports containing "Digital Interpretation" in the personal credit collection system is about 540 million.