The concept of credit investigation that we have always understood still stays in the traditional credit investigation, that is, whether the bank credit owes money to the bank. However, the current credit investigation is not limited to banking and finance, and the country is expanding the scope of credit investigation in an all-round way. For example, a person has a good record in the bank, but he lends millions to others in private. Do you think this person's credit is good or bad? Therefore, the country now incorporates many evaluation criteria into credit reporting. For example, if the Shanghai subway is caught evading tickets, it will enter the credit information system, and so will the railway. But in theory, I don't give money by train, which has nothing to do with my bank loan. In fact, this is not the case now. As long as something goes wrong, it will affect everything. Arrears of water and electricity bills, evasion of tickets, non-payment of private loans, non-payment of traffic fines, and even game props being bugged may all enter the blacklist of the credit information system.
Weizhong Bank belongs to Tencent, which is a member of eight non-governmental credit reporting agencies cooperated by the central bank. It uses Tencent's big data to improve the central bank's credit information system. Therefore, Weizhong Bank, like other banks, is qualified to directly inquire about the credit information from the central bank and provide the blacklist of credit information to the central bank. Many of Tencent's own businesses are also linked to credit reporting. For example, maliciously brushing game props, such as speculating QQ numbers, can enter the credit information, but only through Weizhong Bank. Besides, there are too many companies owned by Tencent, and many businesses or companies you don't know are owned by Tencent. However, Tencent only has Weizhong Bank to check, so that's it.
Most likely, the questioner may have used the business of a certain Tencent or its subsidiaries, which involves the credit investigation, and may even have used some cash on delivery services in JD.COM (Tencent is the major shareholder of JD.COM). COM)。 You can also query the central bank for credit information through Tencent or Weizhong Bank based on the refusal of malicious orders.