Enterprise credit information is divided into six categories: government supervision information, bank credit information, industry evaluation information, media evaluation information, enterprise management information and market feedback information. Among them, government supervision information includes enterprise basic qualification, quality inspection information, administrative license/recognition, administrative reward and punishment information, trademark/patent/copyright information, and people's court judgment; Bank credit information includes China People's Bank credit evaluation information, commercial bank credit evaluation information, micro-loan companies and private lending evaluation information; Industry evaluation information includes industry association evaluation information, water, electricity, gas, communications and other public institutions evaluation information; Enterprise operation information includes enterprise financial information and enterprise management system evaluation information; Market feedback information. The main service object of credit investigation is financial institutions, which provides support for credit decision-making; Commercial credit information mainly serves wholesalers or retailers and provides support for credit sales decision-making; The main service object of employment credit information is the employer, which provides support for the employment decision of the employer; In addition, there are other credit activities, such as market research, creditor's rights processing, movable property and real estate evaluation. Credit information services for different customers are completed by one institution or in independent enterprises around the upstream and downstream of credit information institutions, and are equipped with databases.
Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products. In some countries, these two types of businesses are completed by one institution, and in some countries, they are completed by two or more institutions respectively, or in a country, there are both institutions engaged in personal credit investigation and institutions engaged in both personal and corporate credit investigation business types, which are generally not restricted and are decided by the credit investigation institutions independently according to the actual situation. There are three main business models of credit reporting agencies in the United States: capital market credit evaluation agencies, whose evaluation targets are stocks, bonds and large-scale infrastructure projects; Commercial market evaluation agencies, also known as enterprise credit service companies, are all kinds of large, medium and small enterprises; Personal consumer market assessment agencies, whose credit target is individual consumers.