I. Central Bank Credit Information Center
The central bank's credit information system is a basic database of financial credit information established by the state, which comprehensively collects the information of enterprises and individuals. The credit report issued by the Credit Information Center has become the "economic identity card" of domestic enterprises and individuals. What we usually call credit reporting and credit reporting refers to the central bank's credit reporting center and its credit reporting. Most banks, rural credit cooperatives, licensed microfinance companies, auto finance companies and consumer finance companies in China have been connected to the central bank's credit information center.
Second, the bank's credit report
2065438+March 2008, the central bank issued the first and only personal credit information license, and gave it to Baixing Credit Information, which is known as "Xinlian", making it the only market-oriented company to obtain a personal credit information business license. China Bank is the leading bank with eight institutional shareholders, namely: China Internet Finance Association, Sesame Credit (Ali Department), Tencent Credit, Qianhai Credit (Ping 'an Department), Koala Credit (Lacarra Company), Peng Yuanzheng Credit, China Chengxin Credit, China Zhicheng Credit and Huadao Credit. These eight institutions * * * enjoy licenses, so that their personal credit information business can be legally operated.
Three. Shanghai credit information co., ltd.
Founded in 1999, it is the first institution engaged in personal credit investigation in China. In 2009, the Central Bank Credit Information Center officially became the controlling shareholder of Shanghai Credit Information. The company has established an online financial credit information system (NFCS), which mainly collects credit information of Internet finance and non-bank finance such as peer-to-peer lending, microfinance, consumer finance and financial leasing, and helps online lending institutions access the central bank's credit information system. As of June 365438+1October 3 1 in 2020, NFCS has signed 1396 access institutions.