What does a credit information company do?

What is Wanlian Credit Information Management Co., Ltd.?

The business scope of Wanlian Credit Information Management Co., Ltd. includes enterprise credit information service, market survey (excluding public opinion survey), computer system integration, database service, enterprise management consulting, network technology service, information technology outsourcing service, business process outsourcing service entrusted by banks, knowledge process outsourcing service and bank loans overdue account reminding service permitted by laws and regulations.

Wanlian Credit Management Co., Ltd. was established on June 20 19 12. Its registered place is E-3 16, Floor 4, Science and Technology City, No.30 Qutangxia Road, Shinan District, Qingdao, Shandong Province. The registration authority is Qingdao Shinan District Market Supervision Administration, and the shareholder is Wancun Networking Information Engineering Co., Ltd.

A limited liability company is registered in accordance with the Regulations of the People's Republic of China on the Administration of Company Registration, and each shareholder shall bear limited liability to the company to the extent of the capital contribution subscribed. There are two forms of corporate companies in China: limited liability companies and joint stock companies.

Companies can be classified according to different forms of daily life, and the common classification method is to classify according to the internal jurisdiction system of the company; According to whether different shareholders and stocks can be transferred; According to the different credit standards of the company; Divide according to the different forms of shareholders' responsibility; According to the nationality of the company.

What does a credit management company do?

1. Credit management company refers to a legal entity that collects personal credit information and provides personal credit information consultation and rating services for users of personal credit information such as commercial banks.

2. Personal credit information refers to the activities of credit reporting institutions to collect and store personal credit information scattered in various commercial banks and social related aspects through agreements with information providers such as commercial banks, and form a personal credit information database.

3. Credit service is a series of activities to comprehensively evaluate the credit status (including repayment ability and willingness) of the trustee (debtor) and provide classified credit information to customers. Participants and stakeholders in credit activities appear in the form of reports. According to the object and purpose of credit service, credit service mainly includes enterprise credit service, personal credit service and credit service.

Personal credit report:

1. A personal credit report is a document issued by a credit bureau to record your past credit information. It is an individual's "economic identity card". It can help your trading partners understand your credit status and promote you to reach economic and financial transactions.

2. China's name is gender identity, ID number, etc. As adult citizens of China, we all have China ID cards. Citizens of other countries also have such identity documents. The name may be different, but the function is the same: to prove that you are a natural person. So no one can do without this ID card. With the development of market economy, everyone's economic activities are increasing. Besides proving who you are, you need a convenient and reliable tool to show whether you are reliable as an economic activity. This tool is a personal credit report. It records your performance in past credit transactions, and can help your trading partners get to know you better and make a decision on whether to trade with you as soon as possible.

Personal credit report has been very popular in Europe and America. Almost everyone who has economic activities has a personal credit report, and the application of personal credit report is more common. It has penetrated into almost every major personal economic activity, including buying a house with a loan, applying for a credit card, buying insurance, renting a house, looking for a job, enjoying government benefits and so on. Almost nothing can be done without a personal credit report. The application of personal credit report is more and more extensive, and its function is more and more like our "resident identity card", which people call "economic identity card" figuratively.

4. Classification of reports. Generally speaking, personal credit reports are divided into two categories. One for you. Including all the information you have, including which bank gives you a loan and which telecom operator provides you with the service of calling first and paying later; Another kind of credit report is aimed at banks or other institutions, including all your credit transaction information. However, for the sake of fair competition, the name of the institution that provides you with loans or other credit services is not recorded in the personal credit report, that is, there is no information about the institution that conducts credit transactions with you, unless it is the institution that inquires about your credit report.

5. Purpose of the report: At present, personal credit reports are mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in various commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report provides a way for individuals to review and standardize credit behavior, and also forms a verification mechanism for personal credit information.

What does a credit investigation do?

Zhongxin Credit Information Co., Ltd. (hereinafter referred to as Zhongxin Credit Information) is a wholly-owned subsidiary of China Chengxin Credit Management Co., Ltd. It is a professional and all-round credit service organization. Zhongxin Credit Information is one of the national credit risk management institutions with the largest number of business outlets, the most comprehensive credit products, the richest credit risk management experience and the largest database in China, and its headquarters is located in Beijing.

As a leading credit consulting service organization in China, Zhongxin Credit Information has an independent private credit database and an advanced e-commerce platform, which can provide all-round credit management consulting and credit management software system development services for enterprises, governments and financial institutions.

The difference between China People's Bank's credit investigation and China's credit investigation is mainly from the data source, authority, data integrity, use and other dimensions. The People's Bank of China has a high authority and complete data, which is mainly used for asset evaluation, bank lending, credit card quota, etc.

What is the role of credit companies and what business can they do?

According to Article 5 of China's Regulations on the Administration of Credit Information Industry, a credit information institution refers to an institution established according to law and mainly engaged in credit information business.

Article 2 of the Regulations on the Administration of Credit Information Industry stipulates that:

Credit information business refers to the activities of collecting, sorting, saving and processing the credit information of enterprises, institutions and other organizations (hereinafter referred to as enterprises) and individuals, and providing them to information users.

? A credit investigation company refers to a legally established institution engaged in credit investigation. It collects, sorts out, saves and processes the credit information of enterprises, institutions and other organizations (hereinafter referred to as enterprises) and individuals, and provides it to information users.

The establishment of a credit reporting agency engaged in personal credit reporting business shall meet the conditions stipulated in the Company Law and the Regulations on the Administration of Credit Reporting Industry, and shall be approved by the supervision and administration department of credit reporting industry in the State Council.

Credit information companies mainly collect personal credit information and provide personal credit information consultation for individuals or financial institutions. At present, private credit companies include Sesame Credit, Lacarra Credit, Qianhai Credit and China Credit. Although these private credit companies do not have the authority of the People's Bank of China, they are also indispensable for personal credit.

Credit reporting companies need to make personal credit reporting or corporate credit reporting. Personal credit information mainly collects, sorts out and processes personal information, including personal basic information, performance information such as personal loans and credit cards of financial institutions, and personal consumption information. Nowadays, due to various factors, personal credit approval has been delayed. On the one hand, personal information involves privacy; On the other hand, due to the limitation of China's social and cultural environment, it needs further optimization.

Enterprise credit information mainly collects, sorts out and processes the basic information, business information, management information and financial information of the enterprise. At present, enterprise credit information has not been publicly recognized. On the one hand, due to the limitation of data sources, if it is only obtained through an intermediary third-party data company, the authenticity and history of the data need to be verified.

This will lead to many objections; On the one hand, banks and customers who use data need non-public information from government departments, and most credit reporting companies have not found their own excellent business to develop, so they are struggling. After all, the credit industry is still in the exploratory stage, and there is still a long way to go.