; ? Personal credit information, as an economic identity card, plays a huge role in many aspects. In the information age, everyone must pay attention to maintaining personal reputation and learn more about credit information. Today, we will introduce the authoritative personal credit reporting agencies in China.
I. Central Bank Credit Information Center
The central bank's credit information system is a basic database of financial credit information established by the state, which comprehensively collects the information of enterprises and individuals. The credit report issued by the Credit Information Center has become the "economic identity card" of domestic enterprises and individuals. What we usually call credit reporting and credit reporting refers to the central bank's credit reporting center and its credit reporting. Most banks, rural credit cooperatives, licensed microfinance companies, auto finance companies and consumer finance companies in China have been connected to the central bank's credit information center.
Second, the bank's credit report
2065438+March 2008, the central bank issued the first and only personal credit information license, and gave it to Baixing Credit Information, which is known as "Xinlian", making it the only market-oriented company to obtain a personal credit information business license. China Bank is the leading bank with eight institutional shareholders, namely: China Internet Finance Association, Sesame Credit (Ali Department), Tencent Credit, Qianhai Credit (Ping 'an Department), Koala Credit (Lacarra Company), Peng Yuanzheng Credit, China Chengxin Credit, China Zhicheng Credit and Huadao Credit. These eight institutions * * * enjoy licenses, so that their personal credit information business can be legally operated.
Three. Shanghai credit information co., ltd.
Founded in 1999, it is the first institution engaged in personal credit investigation in China. In 2009, the Central Bank Credit Information Center officially became the controlling shareholder of Shanghai Credit Information. The company has established an online financial credit information system (NFCS), which mainly collects credit information of Internet finance and non-bank finance such as peer-to-peer lending, microfinance, consumer finance and financial leasing, and helps online lending institutions access the central bank's credit information system. As of June 365438+1October 3 1 in 2020, NFCS has signed 1396 access institutions.
How about Hebei Shi Wen Credit Information Service Co., Ltd.?
Brief introduction: Hebei Shi Wen Credit Information Service Co., Ltd. was established in August 20 14 with a registered capital of100000. Under the influence and call of national policies, the third-party platform of civil credit investigation-Wenxi P2P station group platform, truly and effectively records every transaction, and establishes and improves the credit files of enterprises or individuals. Wenchi Credit Information uses Internet technology to carry out a new model of credit information in big data society and establish a fair, open and transparent credit information system that meets the current market demand. Shi Wen Credit Information Service Co., Ltd. is the first domestic P2P platform for private credit information and national credit information collation established by Hebei Shi Wen Credit Information Service Co., Ltd., which effectively solves the problems that investors are worried about, such as principal security, income, investment cycle and investment amount. On the premise of safe principal, investors can achieve high returns, short investment cycle and small amount of diversified investment, and each item is recorded in detail, and credit files of individuals and enterprises are established. Through the improvement of the credit information platform, it reduces the transaction cost of social and economic activities, improves efficiency, and makes negative and positive credit records have greater commercial and social value. Compared with the current situation that the traditional P2P platform system has high purchase cost, high maintenance cost, high operation cost and high investor acquisition cost, Shi Wen Credit Information System only needs an account opening fee and pays a certain platform usage fee every year. As long as you can play WeChat, Momo and QQ, you can get zero maintenance and operation costs. It is a huge investor database of the credit information system, which is truly low-cost and practical. (I) Development Process 20 15 On June 5, Xinhua Life Insurance escorted Shi Wen Credit Information and added a security lock for investors' funds; 20 15 On June 24th, the "20 15 Hebei E-commerce Project Release and Matchmaking Meeting" hosted by Hebei Provincial Department of Commerce was held in Taihang State Guesthouse. At the meeting, Wang Zekun, the founder of Shi Wen Credit Information, gave a warm speech, which vividly explained the original intention, business model, profit model and operation model of Shi Wen Credit Information, and attracted many venture capital enterprises to offer olive branches to Shi Wen Credit Information. At the same time, at this fair, Hebei Zhongchuang E-commerce Equity Investment Fund Center under Hebei Trust and Investment Group and Jiuxi Taizhou Investment Center under Ding Jian Fund simultaneously injected A-round capital into Hebei Shi Wen Credit Information Service Co., Ltd. and held a signing ceremony. The two funds jointly injected tens of millions of yuan to help the development of Shiwen Credit Information.
Legal Representative: Wang Zekun
Establishment time: 20 14-07-29
Registered capital: 465,438+300,000 RMB.
Industrial and commercial registration number:13010000531485.
Enterprise type: limited liability company (natural person investment or holding)
Company address: Floor 8, Block C, Internet of Things Building, No.377 Xinshi Middle Road, qiaoxi district, Shijiazhuang, Hebei.
Where is the headquarters of China People's Bank Credit Information Center?
China People's Bank Credit Information Center is headquartered in Pudong New Area.
1. The Credit Information Center of the People's Bank of China is a public institution directly under the People's Bank of China. Its main task is to be responsible for the construction, operation and management of the enterprise and individual credit information system (also known as the enterprise and individual credit information basic database) according to the national laws and regulations and the regulations of the People's Bank of China.
In March 2006, with the approval of the Central Organization Establishment Committee, the People's Bank of China established the Credit Information Center of the People's Bank of China as a directly affiliated institution, responsible for the construction, operation and maintenance of the credit information system for enterprises and individuals (namely, the basic database of financial credit information, also known as the basic database of enterprise and individual credit information). At the same time, in order to implement the provisions of the Property Law on the registration responsibility of accounts receivable pledge, the Credit Information Center established an accounts receivable pledge registration system on June 5438+1 October12007 and provided services to the outside world. In May 2008, the Credit Information Center officially held a listing ceremony in Shanghai and was registered in Pudong New Area of Shanghai. The Regulations on the Administration of Credit Information Industry (hereinafter referred to as the Regulations), which came into effect on March 5, 20 13, clearly defines the credit information system as a basic database of financial credit information established by the state. At present, the Credit Information Center has credit information sub-centers in 365, 438+0 provinces and 5 cities with separate plans.
Third, the main responsibilities
1. Responsible for drafting the national unified enterprise and individual credit information basic database and the construction and development plan of movable property financing registration system.
2. To undertake the construction, operation, maintenance and management of the national unified enterprise and individual credit information basic database and movable property financing registration system.
3. According to the relevant laws and regulations of the state, organize and implement the national unified enterprise and individual credit information basic database and movable property financing registration system.
4. Responsible for formulating the internal management system and business technical standards for the operation and maintenance of the national unified enterprise and individual credit information basic database and movable property financing registration system.
5 responsible for technical contact and coordination with commercial banks and related parties, and collecting credit information of enterprises and individuals.
6 responsible for summarizing and analyzing the data information in the national unified enterprise and individual credit information basic database, and submitting the analysis report in time.
7 to provide commercial banks and related parties with enterprise and personal credit information services and their value-added applications and market promotion.
8. Accept the objections in the operation of the national unified enterprise and individual credit information basic database and movable property financing registration system according to law.
9 responsible for organizing the national unified enterprise and individual credit information basic database and chattel financing registration system business knowledge and product training.
10. Responsible for organizing and promoting the construction of a unified credit information platform for the financial industry.
1 1. Other matters authorized or assigned by the People's Bank of China.
How about Tianyi Credit Information Co., Ltd.?
Company profile: Tianyi Credit Information Co., Ltd. (hereinafter referred to as Tianyi Credit Information) was established on 20 14, and is an independent credit evaluation and credit management institution under the first operator in China. 20 15 became an enterprise credit reporting agency registered in Shanghai Headquarters of China People's Bank. Tianyi Credit Information is committed to providing professional corporate credit information and personal big data risk control services by integrating the massive data of China Telecom, Wing Payment and partners and relying on professional data mining and modeling capabilities.
While constantly innovating products and developing business at a high speed, Tianyi Credit Information attaches great importance to the compliance and safety of information collection, processing and application in the whole life cycle, and conducts business in strict accordance with the Regulations on the Administration of Credit Information Industry, the Cyber Security Law and other laws and regulations. At the same time, a large number of technical forces are invested to ensure users' information security and platform stability. After several years of development, Tianyi Credit Information has become a distinctive corporate credit information agency and big data risk control service provider in China. As a state-owned enterprise with the background of operators, Tianyi Credit Information will surely fulfill its social responsibilities more firmly in the future and contribute to the construction of China's social credit system.
Legal Representative: Luo Laifeng.
Date of establishment: 2014-12-11
Registered capital: 50 million yuan.
Location: Shanghai.
Unified social credit code: 913101093246747577.
Business status: survival (in business, in business, in registration)
Industry: leasing and business services
Company type: limited liability company (wholly owned by a legal person invested or controlled by a natural person)
Number of employees: 100-499.
Enterprise address: Room 100 1- 1007, Guangji Road, Hongkou District, Shanghai.
Business scope: enterprise credit service (without credit guarantee or financial guarantee), financial consultation (without bookkeeping agency), enterprise management consultation, architectural engineering design of architectural specialty, technology development, technical service, investment management, investment consultation, asset management, industrial investment, and financial information service in the field of computer technology (without financial business).
Projects that must be approved according to law can only carry out business activities after being approved by the relevant departments.