Which online loans are subject to credit reporting?
The following online loans will be subject to credit reporting:
1. Credit card repayment type online loans:
Lakadai, Kakadai, Xiaoyingkadai, Huanbei, etc.
2. Products of commercial banks:
Ping An i-Loan (Ping An Bank), Yongqianbao (Rural Credit Cooperative), Mobile Loan (Rural Credit Cooperative), Resume Loan (Beijing Bank), Baiqian Finance (Harbin Bank), Suixindai (Bank of China), etc.
3. Products of first-tier Internet companies:
Online Shangdai, JD.com Gold Bar, Weilidai, Jiebei, Baidu Youqianhua, Suning Wanxuepay, NetEase Small Loans, etc.
If you want to know which ones are on the credit bureau and which ones are not, you can only use one method - look at the comprehensive rate. If the comprehensive rate is lower than 24, it will definitely be on the credit bureau. If the comprehensive rate is higher than 36. It is definitely not on the credit report. There are only a handful of people in this range. It is best to check before using.
Extended information:
Credit reporting is a professional, independent third-party agency that establishes credit files for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides it to the outside world in accordance with the law. An activity of credit information services, which provides a platform for professional credit institutions to share credit information.
In May 2019, a new version of the personal credit report will be officially launched, and the duration and granularity of the credit report information will be further improved.
1. According to the business model, it can be divided into two categories: corporate credit reporting and personal credit reporting
Corporate credit reporting is mainly an organization that collects corporate credit information and produces corporate credit products;
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Personal credit reporting is mainly an organization that collects personal credit information and produces personal credit products.
In some countries, these two types of business are completed by one agency, and in other countries, they are completed by two or more agencies respectively. Or in one country, there are both separate agencies engaged in personal credit reporting and some. Institutions engaged in two types of credit reporting business, personal and corporate, are generally not subject to restrictions and are left to the credit reporting agencies to make independent decisions based on actual circumstances.
2. According to the service objects, it can be divided into credit investigation, commercial credit investigation, employment credit investigation and other credit investigation.
The main service objects of credit investigation are financial institutions for credit decision-making. Provide support;
The main service targets of commercial credit are wholesalers or retailers, providing support for credit sales decisions;
The main service targets of employment credit are employers, providing support for employers' employment decisions. Support;
In addition, there are other credit reporting activities, such as market research, creditor's rights processing, movable and real estate appraisal, etc.
Some of the credit reporting services for different service objects are completed by one institution, and some are completed by independent enterprises with upstream and downstream database credit reporting agencies.
3. According to the scope of credit reporting, it can be divided into regional credit reporting, domestic credit reporting, transnational credit reporting, etc.
Regional credit reporting is generally small in scale and only in a specific area. Providing credit reporting services. This model generally exists in countries where the credit reporting industry has just started. After the credit reporting industry develops to a certain stage, most of them move towards mergers or professional subdivisions, and the real regional credit reporting gradually disappears;
Domestic credit reporting is currently one of the most common institutional forms in the world, especially in countries that have opened credit reporting agencies in recent years. Transnational credit reporting is rising rapidly in recent years.
Which lending platforms can be used for credit reporting?
1. Ant Financial
Credit lending under Ant Financial includes Jiebei and online merchant loans. Some users of Huabei accept Enter the credit report.
2. Home Credit Consumer Finance
Its include Home Credit Lucky Bag, Home Credit Super Loan, Home Credit Consumer Installment, etc. 3. Ping An Puhui.
Its subsidiaries include Ping An i-dai, Oxygen loan, Zhai e-dai, etc.
3. Weixin Huizhi Finance
Its brands include Weixin Card Loan, Doudouqian, Xingxing Money Bag, Lejiehua, Beauty Club, etc.
4. Immediate Consumer Finance
Its products include Immediate Loan, Zhixianghua, Immediate Installment, and Anyihua, etc.
5. 360 Finance
It has 360 IOUs, etc.
6. BOC Consumer Finance
Its include Xinyidai Micro Loan, BOC Consumer Wallet, Sina Youbori, Sina Youhuan, Lexiangdai, etc. 7. Baifu Bao Technology (Baidu Wallet)
Its brands include Baidu Youqianhua, Baidu Education Installment, Baidu Decoration Installment, etc.
8. Gome
Its brands include Meijie and others.
9. China Post Consumer Finance
Its products include China Post Wallet, Speedy Loans, etc.
10. Jingdong Finance
Its subsidiaries include Jingdong Gold Bars, etc.
11. Qianhai WeBank
Its subsidiary companies include Weilidai and others.
12. China Merchants Union Consumer Finance
Its products include China Merchants Union Home Owner Loans, China Merchants Union Consumer Installment Loans, Good-Term Loans, Credit Payments, Small Spending, etc.
Thirteen, Lakala
Its brands include Lakala Easy Installment and Lakala Repay for You.
14. Suning Financial
Under its umbrella are Suning Renzhifu and others.
15. Rural Credit Cooperatives
Including Yongqianbao and mobile phone loans.
16. Huarong Consumer Finance has credit wallets, etc.
17. Beijing Bank Consumer Finance has resume loans, etc.
1. Bank loans
There is no doubt that all bank loan records will be uploaded to the credit reporting system, including consumer loans launched by various banks, such as China Merchants Bank’s flash loans.
2. Joint loans
Since small loan institutions have limited own funds, they often cooperate with banking institutions to lend together. Because loan funds include bank funds, this type of loan also Check for credit at the meeting.
For example, before the upgrade of Alipay Ant Borrowing, the funds were provided by small lending institutions under Ant Financial. After the upgrade, multiple banks were introduced to jointly lend. On the borrowing interface, you can see that the lender includes Shanghai Pudong Development Bank Banks and other banks, and later Ant Borrowing also started to apply for credit bureaus.
3. Other loans
Although some loans are not bank loans and are not issued by a joint bank, they will still be subject to credit reporting. There are too many to list them all, but before applying for a loan, you only need to pay attention to the loan contract and agreement at the bottom of the page to see if there is authorization to upload the loan record to the People's Bank of China credit system.
Which loans will be subject to credit reporting?
Credit reporting agencies collect information from the source of credit information. Specifically, credit reporting information mainly comes from the following two types of institutions:
1. Institutions that provide credit services.
They are mainly commercial banks, rural credit cooperatives, companies and other specialized institutions that provide credit services.
2. Other institutions.
Including individual housing provident fund centers, personal pension insurance and other institutions.
In addition, some of the above-mentioned institutions also provide basic information such as personal addresses and contact information, and this information is provided by individuals to these institutions when handling business.
Extended information
In accordance with the "Regulations on the Administration of the Credit Reporting Industry" and the "Reply of the National Development and Reform Commission on Issues Concerning the Service Charge Standards of the Credit Reporting Center of the People's Bank of China" (Development and Reform Price [ 2016] No. 54) stipulates that starting from January 15, 2016, the Credit Information Center of the People's Bank of China will charge individuals to check their own credit reports at the counter. Starting from the third time each year, the fee will be reduced from 25 yuan to 10 yuan each time. Inquiries and the first two inquiries at the counter each year will continue to be free.
The network of the personal credit information basic database covers all parts of the country. No matter where you are, you can go to the local branch of the People's Bank of China to inquire.