Do you borrow money online to collect credit?

Credit information was collected at the meeting.

There are generally three situations of "loan credit investigation", depending on whether the actual lender in the loan agreement is qualified for credit investigation:

1. Lending institutions themselves are connected to the credit information system, such as most banks, all licensed consumer finance companies and a few trust companies, such as Consumer Finance, Bank of China and Bohai Trust;

Second, lending institutions do not access the credit information system, but cooperate with companies that have access to the credit information system through the joint loan model to achieve the purpose of accessing credit information. For example, JD.COM Gold Bar authorizes Shanghai Bank to inquire;

Third, the lending institution does not access the credit information system, but cooperates with the companies that have access to the credit information system through the loan assistance mode to achieve the purpose of accessing the credit information, such as knowing the details and being responsible for credit information through Huarong Consumer Finance.

Extended data

The legal connotation and extension of personal information can be divided into three systems: network credit system, pedestrian system and two-level system.

Network letter system: name, date of birth, ID number, address, telephone number, personal biometric information, etc.

Pedestrian system: personal identity information, personal property information, personal account information, personal credit information, personal financial transaction information, derivative information, etc.

Two high systems: name, ID number, contact information, address, account password, property status, destination, communication content, credit information, accommodation information, transaction information, health and physiological information, etc.

The People's Bank of China issued the Notice on Preparing for Personal Credit Information (hereinafter referred to as the Notice), requiring eight institutions including Sesame Credit and Tencent Credit Information to prepare for personal credit information, which means that the personal credit information market is "open".

This time, eight private enterprises entered the personal credit information market. Compared with the central bank's credit information service, experts pointed out that private credit information data is collected from a wider range, which will penetrate into people's life details, and the score of their credit reports will also affect individuals' renting cars and buying houses. "In the future, credit will become more and more important, and people without letters will be difficult to move."

Baidu Encyclopedia-Personal Credit Survey