Under the background that a large number of leading enterprises in Chongqing have been approved to set up online microfinance companies, Chongqing Administration for Industry and Commerce of the People's Bank of China took the lead in starting the work of inputting domestic non-bank financial institutions into the credit information system to provide financing support for small and medium-sized enterprises and citizens. Previously, First Consumer Finance exclusively disclosed the Notice on Strengthening Compliance Management of Internet Credit Business (Compliance Draft) issued by Chongqing Municipal Committee 201713.

The notice was issued by Chongqing Bank, Chongqing Three Gorges Bank, Chongqing Rural Commercial Bank, Fumin Bank, Urban Village Bank, Changan Automobile Finance Company and Instant Consumer Finance Company. Sunshine Yurong Credit Guarantee Insurance Company, related micro-loan companies, financing guarantee companies and financing leasing companies. The staff of Chongqing Microfinance Company disclosed to First Consumer Finance that on September 4th and 5th, 20th17th, the Chongqing Business Management Department of the People's Bank of China held a symposium and training meeting on credit reporting of some microfinance companies' Internet lending institutions.

According to the list of participants in Chongqing Business Department of China People's Bank, including Chongqing Alibaba Microfinance Co., Ltd. and * * * 15 Network Microfinance Company. (Note: According to industrial and commercial information, Chongqing Microfinance Co., Ltd. or Chongqing Ant Mall Microfinance Co., Ltd.), Chongqing Baidu Microfinance Co., Ltd., Chongqing Suning Microfinance Co., Ltd., Chongqing Haier Microfinance Co., Ltd., Chongqing Golden Microfinance Co., Ltd., Chongqing You Microfinance Co., Ltd., Chongqing Microfinance (Chongqing) Co., Ltd., Chongqing Kara Microfinance Co., Ltd., Chongqing Microfinance Co., Ltd., Chongqing Sankuai Microfinance Co., Ltd., Chongqing China Travel Service Fine Microfinance Co., Ltd., Ltd. and Chongqing Pig Bajie Yiyi Microfinance Co., Ltd. and Chongqing Xiaoyudian Microfinance Co., Ltd., 15 network microfinance has been connected to the basic database of financial credit information of the People's Bank of China with great probability.

It is understood that there are usually three kinds of information inquiry, depending on whether the actual lender in the loan agreement is qualified to obtain credit: the lending institution itself has access to the credit information system, such as most banks, all licensed consumer finance companies and trust companies, such as China Bank and Bohai Consumer Finance Instant Trust; Lending institutions do not access the credit information system, but cooperate with companies that access the credit information system through joint loans to achieve the purpose of accessing the credit information system. For example, JD.COM Gold Bar authorized Shanghai Bank to inquire. Lenders did not enter the credit information system, but cooperated with companies that entered the credit information system through the loan-assisting model, so as to achieve the purpose of entering the credit information system as the quantitative management of Huarong consumer finance credit information.