The basic database of personal credit information is a personal credit information sharing platform established by commercial banks organized by the People's Bank of China, and its daily operation and management is undertaken by the Credit Information Center. It is like a "credit information warehouse", which collects, saves and sorts out personal credit information, provides credit report inquiry service for commercial banks and individuals, and provides statistical information service for monetary policy and financial supervision.

Friendly reminder: the basic database of personal credit information has been networked nationwide. As long as you have a loan relationship with a bank, you can find your personal credit report anywhere in China and at any credit outlet of a commercial bank.

Extended data:

New version function

1, the first is more detailed. The new personal credit report will make personal information more detailed. In addition to the old personal basic information, the new personal information will be more complete, and you can also view spouse information. At the same time, professional information is more complete, and the amount of information is equivalent to that of resume. More detailed information will make personal credit situation more clear.

2. Second, it is more comprehensive. The new personal credit report is richer and more comprehensive.

For example, if the repayment record is extended to 5 years, detailed repayment information and overdue information will be recorded; The new repayment amount, overdue or overdraft amount will also be marked. In addition to financial information such as loans, the new version of credit information will include a wider range of information, such as telecommunications business, water business payment, tax arrears, civil adjudication, execution, administrative punishment, subsistence allowances, professional qualifications and administrative rewards.

In this way, the personal credit report can better reflect the personal credit situation and enhance the credibility and practical application of the personal credit report, which is also the biggest difference between the new version and the old version.

3. Finally, it is more accurate. The new version of personal information is more detailed and comprehensive, which can truly reflect personal credit status. The credit management of financial institutions will become more targeted and risk management more accurate, which can effectively reduce credit risk. [2]?

Baidu Encyclopedia-China People's Bank Credit Information System