In the context of a large number of leading companies being approved to set up online small loan companies in Chongqing, the Chongqing Industrial and Commercial Administration Department of the People's Bank of China took the lead in launching domestic non-bank financial institutions into the credit reporting system, providing services for small and medium-sized enterprises. Financing support is provided to micro-enterprises and citizens. Previously, First Consumer Finance exclusively disclosed the notice soliciting revision opinions on the "Notice on Strengthening the Compliance Management of Internet Credit Business (Compliance Draft)" issued by the Chongqing Municipal Party Committee on November 13, 2017.

The notice was issued by the Bank of Chongqing, Chongqing Three Gorges Bank, Chongqing Rural Commercial Bank, Fumin Bank, urban village banks, Changan Auto Finance Company, and Instant Consumer Finance Company. Sunshine Yurong Credit Guarantee Insurance Company, related small loan companies, financing guarantee companies, and financial leasing companies. Personnel from Chongqing Small Loan Company once revealed to First Consumer Finance that on September 14 and 15, 2017, the Chongqing Business Management Department of the People's Bank of China held a symposium and training session on the credit reporting business of Internet lending institutions for some small loan companies. .

According to the list of participants from the Chongqing Sales Department of the People's Bank of China, a total of 15 online microfinance companies participated in the meeting, including Chongqing Alibaba Microfinance Co., Ltd. (Note: According to industrial and commercial information, this should refer to Chongqing Small Loan Co., Ltd. or Chongqing Ant Mall Small Loan Co., Ltd.), Chongqing Baidu Small Loan Co., Ltd., Chongqing Suning Small Loan Co., Ltd., Chongqing Haier Small Loan Co., Ltd. Company, Chongqing Jin Small Loan Co., Ltd., Chongqing You Small Loan Co., Ltd., Chongqing Zhonghong Small Loan (Chongqing) Co., Ltd., Chongqing Zhonghong Small Loan Co., Ltd., Chongqing Qianfang Small Loan Co., Ltd., Chongqing Kara Small Loan Co., Ltd., Chongqing Quanjing Small Loan Co., Ltd., Chongqing Sankuai Small Loan Co., Ltd., Chongqing China Travel Jing Small Loan Co., Ltd., Chongqing Zhubajie Yiyi Small Loan Co., Ltd. The 15 online small loan companies, including Chongqing Xiaoyudian Small Loan Co., Ltd., have all been connected to the basic financial credit information database of the People's Bank of China.

It is understood that there are usually three types of information inquiries. The specific information depends on whether the actual lender in the loan agreement is qualified for credit: the lending institution itself has access to the credit reporting system, such as most banks , all licensed consumer finance companies and trust companies, such as Bank of China and Bohai Consumer Finance Immediate Trust; lending institutions do not have access to the credit reporting system, but cooperate with companies that access the credit reporting system through joint loans to achieve access to the credit reporting system. the purpose of the messaging system. For example, JD Gold Bar authorizes Bank of Shanghai to inquire. The lending institution does not enter the credit reporting system, but cooperates with companies that have entered the credit reporting system through the loan assistance model to achieve the purpose of entering the credit reporting system, as a quantification and management of Huarong Consumer Financial Credit Investigation.