2. The difference between central bank credit reporting and big data credit reporting is mainly distinguished from the data source, authority, data integrity and use.
3. Characteristics of central bank's credit investigation: The data mainly comes from banking, securities, insurance, social security and other systems, which constitutes a data cycle with high authority and basically complete data, and is mainly used for asset evaluation, bank lending, credit card line, etc.
5. Features of big data credit reporting: The data mainly comes from the major platforms of the Internet and is mainly used for Internet finance, such as p2p. Enterprises with better qualifications can apply for access to the central bank's credit information. Although it is not as authoritative as the central bank's credit information, it will become more and more important with the development of Internet finance. The data integrity of each major data credit platform is different, and it is mainly used for Internet finance, such as P2P. If P2P can't get the central bank's credit data, the risk will be great.
6. Looking to the future: With the development of Internet finance, big data credit reporting and central bank credit reporting will continue to integrate until the integration truly meets the integrity of data, then crime will be greatly reduced, and credit is really money!