I. Introduction of Credit Information 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.
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 the shareholders of 100 credit reporting agencies, accounting for 8% of the shares respectively, which means that they will change 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.
The above is an introduction to the difference between the credit reporting of 100 banks and the credit reporting of the central bank. I hope it helps you.