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The basic database of personal credit information is a personal credit information sharing platform established by the People's Bank of China and organized by commercial banks. Its daily operation and management are undertaken by the Credit Information Center. It is like a "credit information warehouse" that collects, saves, and organizes personal credit information, provides credit report inquiry services for commercial banks and individuals, and provides statistical information services 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 check your personal credit report anywhere in the country and at any commercial bank credit outlet.

Extended information:

New version features

1. First, it is more detailed. In the new version of the personal credit report, personal information will be more detailed. In addition to the old version of basic personal information, the new version of personal information will be more complete, and spouse information can also be viewed. At the same time, the professional information is more complete, and the amount of information is equivalent to that of a personal resume. More detailed information will make personal credit situation clearer.

2. The second is more comprehensive. The new version of the personal credit report has richer dimensions and is more comprehensive.

For example, if the repayment record is extended to 5 years, detailed repayment information and overdue information will be recorded; new repayment amounts, overdue or overdraft amounts will also be marked. In addition to financial information such as loans, the new version of the credit report will include a wider range of information, such as telecommunications business, tap water business payment status, tax arrears, civil rulings, enforcement, administrative penalties, subsistence allowance assistance, professional qualifications and administrative rewards.

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

3. Finally, it is more accurate. The new version of personal information is more detailed and comprehensive, allowing a more realistic reflection of personal credit status. The credit management of financial institutions will become more targeted, and risk management will be more precise, which can effectively reduce credit risks. [2]?

Baidu Encyclopedia-People's Bank of China Credit Information System