The following online loans will be subject to credit reporting:

1. Credit card repayment type online loans

Lakadai, Kakadai, Xiaoyingka Loan, repay, etc.

2. Products of commercial banks

Ping An i-Loan (Ping An Bank), Yongqianbao (Rural Credit Cooperative), Mobile Loan (Rural Credit Cooperative), Resume Loan (Bank of Beijing) ), Baiqian Finance (Harbin Bank), Suixindai (Bank of China), etc.

3. Products of first-tier Internet companies

Online merchant loans, JD.com Gold Bars, Weilidai, Jiebei, Baidu Youqianhua, Suning Wanxuepay, NetEase Small Loans, etc.

Personal credit reporting refers to the activities in which personal credit reporting agencies established in accordance with the law collect and process personal credit information and provide personal credit information inquiry and evaluation services according to user requirements. A personal credit report is a personal credit history record that a credit reporting agency collects in accordance with the law, processes and organizes it in accordance with the law, and finally provides it to legitimate information inquirers in accordance with the law.

As of 2015, the database includes a total of 870 million natural persons, of which 370 million have credit records.

In May 2019, a new version of the personal credit report will be officially launched, and the duration and granularity of the credit report information will be further improved.

On September 30, 2021, the "Credit Information Business Management Measures" were reviewed and adopted at the 9th Executive Meeting of the Central Bank of 2021 on September 17, 2021, and are hereby issued. Effective from January 1, 2022 Effective from today.

Currently it is mainly used for various consumer credit businesses of banks. As the social credit system continues to improve, credit reports will be more widely used in various commercial credit sales, credit transactions, recruitment and job hunting. In addition, personal credit reports also provide the inquirer with a way to review and standardize his or her credit history behavior, and form a verification mechanism for personal credit information.

Credit information:

1. Basic personal information used to identify individuals and reflect their family, career, etc.;

2. Individuals and financial institutions Or personal credit information formed by credit relationships with institutions such as housing provident fund management centers;

3. Personal credit purchase and payment information formed by credit purchases between individuals and commercial institutions and public utility service agencies;

4. Public record information related to personal credit formed by administrative agencies, administrative executive agencies, and judicial organs in the process of exercising their powers;

5. Other personal credit-related information information.

Influencing Factors

The main factors that may affect personal credit risk scores are: there have been overdue repayments on loans, or credit card overdrafts have not been repaid within the agreed time limit and repayment amount. funds, or have too many loan accounts, credit cards, etc.

Credit Reporting Management Regulations

Article 25: If the information subject believes that there are errors or omissions in the information collected, saved, or provided by the credit reporting agency, he or she has the right to file a complaint with the credit reporting agency or The information provider disputes and requests correction.