Personal credit information system, also called consumer credit information system, mainly provides personal credit analysis products for consumer credit institutions. With the improvement of customers' requirements, the data of personal credit information system is no longer limited to the traditional operation fields such as credit records, and attention is gradually turned to the business field of providing comprehensive social data services. Personal credit information system contains extensive and accurate consumer information, which can solve the restriction of insufficient customer information on enterprise marketing and help enterprises reach the target customers in the most effective and economical way, so it has high market value, and its application has also expanded to the direct selling and retail fields. In the United States, one-third of the profits of personal credit reporting agencies come from direct sales or database marketing, and personal credit reporting systems have been widely used in the marketing activities of enterprises.
Specifically, personal credit information is divided into three parts. The first part is personal basic information, the second part is credit information, and the third part is non-bank information. Personal basic information includes personal identity, spouse identity, residence information, occupation information, etc. Credit information includes bank credit information summary, credit card quasi-credit card information summary, loan information summary, loan guarantee information summary for others, etc. Non-bank information refers to personal insurance and payment information, housing provident fund information, road maintenance fees, telecom users' payment, etc. According to the actual situation, the customer's own statement will also be included in the system information. This information does potentially affect individuals' lending behavior in banks.