On the 22nd, the People's Bank of China promulgated the "Establishment of Institutional License Information Disclosure Form for Operating Personal Credit Information Services." The publicity form shows that the establishment of a personal credit information institution for the use of personal credit card issuance has been granted, and that directors, supervisors and senior management hold posts Eligibility has been approved. Personal credit card license valid until January 31, 2021.
In the bank all the expenditures and loans are included in the central bank credit system, the credit behavior on the network what will happen? In fact, like sesame credit are network credit agencies, but the standards of different agencies, can not be achieved The sharing and relocation of credit information will cause a certain risk. The central bank issued the first personal credit card's 100 credit reference, more like an information network of credit information system, which is beneficial to the bank credit information system Complement and improve.
The newly established Baixing Credit Co., China Internet Finance Association is the largest shareholder, holding 36%; the other eight shareholders, including Sesame Credit Management Co., Ltd., Tencent Credit Information Co., Ltd., Koala Credit Co., Ltd. and other eight companies, Each company holds a 8% stake in personal credit business services for individuals engaged in Internet finance personal lending business organizations, in addition to traditional financial institutions, financial regulatory authorities and personal information subjects, etc. Experts said that the eight companies in the Large body size, the future is expected to establish a credit rating industry generally applicable standards.
Zong Liang, chief researcher at Bank of China, said that when the credit system is complete, a financial infrastructure is set up which not only reduces financial risks but also prepares for financial services such as inclusive finance.
In recent years, with the rapid development of the Internet and information technology, the personal financial lending in the Internet field has rapidly increased, and it is the common voice of the industry to promote the establishment of a personal credit reporting institution. At the same time, opening up and sharing are major trends in the development of the Internet. Credit line has the unique and independent identity, which can help to solve the problem of information segmentation that has been difficult to solve in the field of Internet finance and increase the real and effective credit information collection.
All along, the People's Bank of China has always insisted on the prudent, prudent, prudent and prudent management of the credit reporting industry, and has carefully reviewed and approved the personal credit card approval since Governor Wan Expected to also stress that the personal credit reporting agencies should not be too scattered. Too much, access threshold should be more stringent, higher.
Sword refers to long-term borrowing problems
At present, when handling financial credit business, all financial institutions only recognize personal credit reporting issued by the central bank.
However, if someone loafers in a P2P platform does not return, but can still borrow money on other platforms, which seriously disrupted the normal development of the credit industry because the central bank credit system does not cover this part of the agency, there is a platform between the platform ' Data island '.
The emergence of "one hundred lines of credit" can integrate the credit information of the above eight institutions, covering the blind spots of credit of traditional finance and forming a huge database of credit information.
As a result, all the bad records in the financial markets will nowhere to hide. The situation of "long loans" caused by islands of information will be broken and the cost of becoming a Lao Lai will also be greatly increased.
At the same time, the establishment of 'One Hundred Treasurer' is conducive to raising the level of risk prevention and control in the industry, preventing systemic financial risks, cracking down the chaos of 'excessive long-term loans' and 'fraudulent lending'. Through multi-dimensional credit records, And using the value of personal credit information can also be the lack of bank credit records of customers included in the scope of credit services so that financial services more inclusive groups of people in the protection of personal information but also to prevent over-acquisition of personal information, improper Processing and illegal use.