Personal credit information system, also called consumer credit information system, 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 the target customers in the most effective and economical way, so it has high market value, and its application has also expanded to the direct selling and retail fields. In the United States, one-third of the profits of personal credit reporting agencies come from direct sales or database marketing, and personal credit reporting systems have been widely used in the marketing activities of enterprises.

Personal credit information system is a "credit file" (that is, personal credit report) established by a specialized agency for everyone, and then provided to banks, data subjects themselves, financial regulatory agencies, judicial departments and other government agencies for use. This kind of activity of sharing credit information between banks through third-party institutions is credit reporting. With the intervention of the credit bureau, when you borrow from the bank again, the account manager can check your credit report with your consent, and can tell you whether you can provide a loan as soon as possible, saving time. On the one hand, personal credit information system is a tool to guard against financial risks, which plays a role in maintaining financial stability, on the other hand, it also plays a role in promoting the establishment of social credit system.