According to data from the central bank's credit information center, the cumulative number of inquiries in the national personal and corporate credit system from January to November 2019 was 2.1 billion and 97.72 million respectively, with an average daily number of 6.28 million and 300,000 respectively. By the end of November 2019, the personal credit information system had access to 3,693 lenders of all kinds, and had basically achieved wide coverage of personal financial credit information. The information of credit information system is also mainly used for lenders to carry out credit risk assessment of borrowers, which is widely used in the whole process before, during and after loans.
The central bank credit information system includes enterprise credit information base database and personal credit information base database. At present, the information source of credit information system is mainly commercial banks and other financial institutions, including the basic information of enterprises and individuals, credit information such as borrowing, guarantee and other credit information in financial institutions, as well as the main financial indicators of enterprises.
In addition, under the supervision of the central bank, the China Internet Financial Association, a self-regulatory group, and eight market institutions, including Sesame, Tencent, Qianhai, koala, Pengyuan, Zhongzhi, and Huadao, jointly set up a market-oriented personal credit agency in accordance with the principle of co-construction and sharing and win-win results.
The modern commercial market is a good faith market, the good faith constructs the harmonious market relations, the market main body, whether the enterprise, or the natural person, all has the commodity enters the market guardian, the owner's dual identity. It has the basic characteristics of autonomy, profit-seeking and initiative, and needs to be linked together with the honesty quality which embodies the spirit of contract. Integrity is the soul of the market, the loss of integrity, the market has become a tricky playground.
Through the inquiry data provided by the credit information center, the integrity of the main body of the market can be proved, so that the other side can safely and boldly do business with it, business transactions. The main daily performance is that borrowers to commercial banks to show their honesty and trustworthiness, please feel free to lend. Therefore, the value of credit information system lies in comprehensively recording the credit repayment situation of individuals and enterprises, providing borrowers with \"credit collateral\" for the credit market, which can effectively improve the efficiency of credit decision-making, reduce the cost of credit transaction, increase the opportunities for borrowers to finance, and provide an important guarantee for preventing financial risks and supporting the development of the real economy.
Credit information centres have also been instrumental in cracking down on financial fraud. Before that, the Central Bank and the Banking Regulatory Commission had guided the serious breach of credit in the field of P2P network loan to be included in the central bank's financial credit information base database operation organization, the National Development and Reform Commission had imposed joint punishment on the serious breach of credit in the field of P2P network loan, and the credit information center had played a positive role in cracking down on the malicious evasion and abandonment of debt in the field of P2P network loan.
According to the report, from January to November 2019, the number of inquiries in my credit report showed an upward trend. It can be seen that more natural people began to feel the importance of integrity records, may also be asked, I am honest? Is the credit record correct and comprehensive? Individuals must be responsible for their credit records.
However, there is a cautionary tale that some data companies or financial technology companies, commonly known as \"little crawlers \", are illegally searching for personal information by tricking or stealing personal passwords.
I believe that crawler technology itself is not a \"pest \", just like search engine, as a computer technology, technology neutrality, so crawler technology seems to be free from the legal exclusion zone. The question is who will master the technology, whether it is authorized by the user, and where the \"crawl\" data will be used. Now some \"small crawlers\" are desperate for commercial profits, trying to break through the regulatory red line.
Such acts are actually suspected of violating citizens'personal information for the purpose of hedging loans or providing services for collection companies and should be severely combated. The integrity of the market in the awakening, in the jump, credit center of the market role will be more and more. When the main body of the market calmly face the credit information provided by the integrity of the data, I believe that the entire market will become harmonious.