Du Xiaoman ruined my credit report.

Xiaoman Finance, formerly known as Baidu Finance. 2065438+In April 2008, Baidu announced that its financial services business group had officially completed the signing of the split financing agreement. After the split, Baidu Finance will launch a new brand of Xiaoman Finance to achieve independent operation. Du Xiaoman's practice in helping small and micro enterprises, helping poor farmers and creating social employment has been praised by the United Nations. Baidu's internet finance business began in 20 13, and in 20 15, the existing financial business was integrated into a financial business group, and the financial business was raised to Baidu's strategic position, and Mr. Zhu Guang, senior vice president of Baidu, was fully responsible. Du Xiaoman's financial ABS case won the 20 19 Outstanding Practice Award of Harvard Business Review at the Yue Management Award ceremony held at Wharton China Center.

What is a credit report?

1. Credit information records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council promulgated the Regulations on Credit Management (Draft for Comment), and solicited opinions from all walks of life on the Regulations on Credit Management.

2, 201212 on February 26th, the State Council's premier Wen Jiabao presided over the the State Council executive meeting, which deliberated and passed the "Regulations on the Administration of Credit Information Industry (Draft)". The meeting pointed out that the credit information industry is an industry that provides credit information services in the market economy. Credit information service can create conditions for preventing credit risks, ensuring transaction safety, and promote the formation of a social environment in which honest people benefit and those who break their promises are punished. China's credit information industry has grown from scratch, its role has become increasingly apparent, and the credit information market has begun to take shape.

3. The generation of credit investigation activities stems from the generation and development of credit transactions. Credit is a special form of value movement based on repayment, including currency lending and commodity credit sales, such as bank credit and commercial credit.

Factors affecting personal credit report:

1. Overdue repayment occurs in the process of personal loan;

2. The credit card fails to repay in time after it expires;

3. There are too many personal loan accounts and credit cards;

4, credit card cash, consumer loans for other purposes and other illegal acts;

5. Providing loan guarantee for others, but the guarantor has overdue behavior;

6, tax evasion and other illegal acts.

Personal credit information is 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 commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information. Personal credit information will be reported to the personal credit information system, which mainly provides personal credit analysis products for consumer credit institutions. With the improvement of customers' requirements, the data of personal credit information system is no longer limited to the traditional operation fields such as credit records, and attention is gradually turned to the business field of providing comprehensive social data services. Personal credit information system contains extensive and accurate consumer information, which can solve the restriction of insufficient customer information on enterprise marketing and help enterprises reach their target customers in the most effective and economical way, so it has high market value.