What is a hundred banks' credit investigation?

Baixing Credit Information is a personal credit information agency led by China Internet Finance Association and jointly established by eight market institutions including Sesame Credit, Tencent Credit Information, Pengyuanzheng Credit Information and Qianhai Credit Information. Internet financial institutions will form a complete risk control system based on personal credit records and their own data provided by people's credit information, and provide users with more comprehensive, clear and safe financial services.

Different from the central bank's credit reporting, Baixing Credit Reporting mainly regulates the online lending industry, so that data among online lending institutions can be shared, and the role of the central bank's credit reporting is to objectively show the social credit of individuals or enterprises.

What is a hundred banks' credit investigation? What's the difference between it and the central bank's credit report?

The first one is different in nature. Baixing Credit Information is a personal credit information agency jointly established by eight market institutions including Sesame Credit, Tencent Credit Information and Qianhai Credit Information.

These eight institutions can be said to be the overlord of the credit information industry. Integrating all the folk credit information, the credit problems of 654.38+04 billion China people can be seen at a glance.

Central Bank Credit Information is a personal credit information record published and recorded by the Credit Information Center of China People's Bank.

The second point is different. A large part of Bai Hang's credit access is online lending platform, so that data among online lending institutions can be shared. The function of central bank's credit investigation is to objectively show the social reputation of individuals or enterprises.

The third point is different. The credit data of the central bank mainly comes from traditional licensed financial institutions such as banks, and only records business data with financial institutions.

If you are a student, a newly graduated office worker, and have never done business in financial institutions such as banks, then your credit data cannot be obtained, and people will have these records in their credit reports.

In addition to financial data, hundreds of banks are also collecting other data, including life data, e-commerce data, small loan transaction data and so on.

Compared with the central bank's credit reporting, Baijia Credit Reporting plays a more complementary role, but it does not rule out that it will interoperate with the central bank's credit reporting data in the future.

Finally, I emphasize that once the two are linked, then I am a transparent person and must safeguard my credit information.

As of May 22nd, 20021year, Bai Hang Credit Information has expanded 2,084 corporate financial institutions, and more than 200 million information subjects have been included in the personal credit information system, and 28 credit information products have been launched for the market, with the cumulative call volume of all products exceeding 7 1 10,000.

General business projects include: collecting and utilizing enterprise information, carrying out enterprise credit evaluation, rating, consulting, training, market research, database services and technical services; Computer software and network technology development, sales, training, transfer, system operation and maintenance; Sales of computer software and hardware; Conference planning. (Except for the items prohibited by the above-mentioned laws and administrative regulations; Projects restricted by laws and administrative regulations can only be operated after obtaining a license), and the licensed business projects are: personal credit investigation business.