Does Gome receive credit information?

Gome finance has been connected to the central bank's credit information system, so it is in the credit information. When a borrower applies for a loan in Gome, Gome will check the borrower's credit report. If the borrower has serious overdue behavior, he may refuse the loan. At the same time, after the borrower successfully obtains the loan, if there is overdue behavior in the repayment process, Gome Finance will also upload the borrower's overdue record to the central bank's credit information system.

1. Gome Finance is a model of "finance+scenario+technology", that is, a large number of offline stores and supply chain systems in Gome are combined with Internet finance. In 20 16, Gome began to comprehensively lay out six major sectors, including consumer finance platform, supply chain finance platform, asset trading platform, payment platform, data cloud platform and traditional financial platform. Gome Finance is highly compatible with Gome's new retail strategy. First of all, finance itself belongs to the service field. In the "product is king" and "service is king", Gome Finance can provide financial services and financial products in the overall service of Gome retail customers. Secondly, in the "platform is king", Gome has been committed to integrating online and offline, guiding Gome's online and offline customers to Gome's platform and providing financial services in the form of Internet finance.

2. Credit refers to the form of value movement on the condition of repayment and interest payment. It usually includes credit activities such as bank deposits and loans. Credit is an important form of paid mobilization and allocation of funds in socialist countries and a powerful lever for economic development. Credit is a lending behavior between different owners that reflects certain economic relations. It is a special form of value movement on the condition of repayment. It is a credit activity in which creditors lend funds, debtors repay and pay certain interest on time, and gain income by transferring the right to use funds. Credit can be divided into broad sense and narrow sense. Credit in a broad sense refers to the general name of credit activities with banks as the intermediary and deposits and loans as the main body, including deposits, loans and settlement business. Credit in a narrow sense usually refers to bank loans, that is, the issuance of monetary funds with banks as the main body.

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