Credit information on Rong360. Rong360 is a consumer finance company approved by the China Banking Regulatory Commission. It will be connected to the central bank’s credit reporting system and will also be listed on the credit reporting system.

Rong360 started by searching and recommending consumer loans such as commercial small loans, home loans, and car loans, and quickly entered the credit card field. Users who need to apply can search and compare thousands of credit cards in one stop, directly fill in the information and apply online.

Financial management search and price comparison services enable people to obtain more comprehensive information on financial management products. "Internet financial management, bank financial management, and online loan financial management do not yet have a platform specifically for information collection, query, and comparison. Rong360 Financial Management Search just makes up for this market space." Ye Daqing said.

After some loan users submit their applications online, after Rong360 determines the authenticity of their intentions, they will be invited to offline loan convenience store outlets to collect paper information. Users no longer need to go to each store one by one. run. Loan applicants do not need to pay additional fees, and Rong360 charges a certain percentage of service fees from financial institutions.

Rong360 "Tianji" big data risk control system uses big data analysis to score users who apply for loans based on the three major dimensions of identity authentication, repayment willingness and repayment ability. Value to provide lending advice to partner institutions. Targeting specific market segments, Rong360’s goal is to strive for approval of small loans within 50,000 within 10 minutes and disbursement on the same day as quickly as possible.

Extended information:

Personal credit report mainly includes the following information:

Basic information: including your name, ID number, home address, work unit, etc. This information tells commercial banks "who you are."

Friendly reminder: In order to avoid unnecessary trouble, please do not lend your ID card at will, because the ID number is an important identification information in the credit report.

At the same time, when handling banking business, please fill in your basic personal information accurately and truthfully, and contact the bank promptly to update the information if it changes. This will not only help you prevent identity fraud and fraudulent use, but also help commercial banks Accurately verify your identity.

Your loan information at the bank: when and which bank you borrowed, how much you have repaid, how much you have not repaid, and your monthly repayment status, etc.

Your credit card information: which banks’ credit cards you have applied for, your credit card’s overdraft limit and your repayment records, etc.

Information about the bank settlement account you opened: your name, ID number, account opening bank code, account opening date, etc., excluding deposits, withdrawals, transfer payments and balance information of your settlement account.

Record of inquiries on your credit report: The computer will automatically record "when, who, and for what reason" your credit report was viewed.

With the gradual advancement of database construction, in addition to the above information, your personal credit report will also record your personal housing provident fund payment information, social security information, and whether you have paid telephone, water, electricity, etc. on time. Information on public utility expenses such as gas bills, as well as public information such as court civil judgments and tax arrears.

Baidu Encyclopedia-Rong360

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