on June 19th, 219, China has established the largest credit information system in the world. The credit information system has accumulated 99 million natural persons, 25.91 million enterprises and other organizations, and the average daily inquiry volume of personal and enterprise credit reports has reached 5.5 million times and 3, times respectively.
From January 19th, 22, the Credit Information Center will provide the second-generation format credit report inquiry service for the public and financial institutions. Compared with the first-generation credit information system, the second-generation credit information system has been optimized and improved in information collection, product processing, technical architecture and security protection.
another big benefit of credit investigation is that it helps you to get more fair credit opportunities. The credit center provides the bank with an objective record of your credit history, "let the facts speak for themselves", which reduces the influence of subjective feelings and personal emotions of loan officers on your loan and credit card application results, and allows you to get a fairer credit opportunity.
credit mainly refers to economic activities such as borrowing money to pay back money, spending first and then paying; Credit investigation refers to specialized credit information service. In order to make it easier for people to borrow money, everyone's credit information is collected through a third-party organization and made available to you and credit institutions when necessary.
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 are 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.