Because it is not a P2P licensee, it belongs to a small anti-aircraft gun. China Internet finance investment and wealth management, which is also the home of online loans, has no database of moonlight staging. The 700 small and medium-sized platforms connected by Bai Hang Credit Information must be registered in the online loan house. The small and medium-sized platforms announced by the online loan house in August are basically available, and there is no moonlight staging.
There is a direct explanation in the announcement issued by Baixing Credit Information (because the P2P industry is still in the process of compliance rectification and is not stable at present, it is difficult for P2P platform to intervene in Baixing Credit Information. On the other hand, many platforms have problems in their own business, and there are illegal phenomena such as usury, which makes it more difficult to report data. Moonlight Xia can't go to the online loan home by stages, and it is even more impossible to receive hundreds of lines of credit. ?
Extended data:
I. Credit investigation
Credit information can restrain the behavior of enterprises and individuals from the system, which is conducive to the formation of a good social credit environment. China has advocated the virtue of honesty and trustworthiness since ancient times, and promoted the formation of the concept of honesty through moral criticism. Honesty is a kind of social morality and a basic principle of communication with people.
Honesty and trustworthiness are indispensable virtues for enterprises and individuals. Shanxi merchants and Huizhou merchants, who once dominated China's commerce for hundreds of years, were able to rise to the peak, one of which was to establish the business philosophy of "honesty-oriented".
Second, the benefits of credit reporting
First, save time. A lot of information that banks need to know is in your credit report, so you don't have to spend so much time investigating and verifying the authenticity of the information you fill in the loan application form.
Second, it is convenient to borrow money. As the saying goes, it is not difficult to borrow again. If your credit report reflects that you are a person who pays on time and earnestly fulfills the contract, the bank will definitely like you. Not only can we provide credit services such as loans and credit cards, but we may also give preferential treatment on the amount and interest rate.
Third, credit reminder. If it is recorded in the credit report that you borrowed money and didn't pay it back, the bank must be cautious when considering whether to provide you with a loan. Banks are very likely to let you provide mortgage, guarantee, or reduce the loan amount, or raise the loan interest rate, or refuse to give you a loan.
If the credit report shows that you have borrowed a lot of money, the bank will be very cautious, for fear that you may refuse to provide you with more loans because you have too much debt to bear. This reminds you to cherish your credit history and consciously accumulate your credit wealth.
Fourth, fair credit. Another great advantage of credit report is that it can help you get a fairer credit opportunity. The Credit Information Center provides the bank with an objective record of your credit history, which allows the facts to speak for themselves, reduces the influence of subjective feelings and personal emotions of loan officers on your credit card application results, and gives you a fairer credit opportunity.
Baidu Encyclopedia-Zheng Xin