Today, the first public private credit bureau, the long-prepared one, Baibai Credit Co., was officially opened for business.In the past, our letter (personal credit record) has been managed by the People's Bank of China, also known as the Central Bank. However, because of the background of the times, the central bank's credit information system only includes the expenditures and loans of banks and traditional financial institutions. This is obviously not enough for all kinds of private lending and internet financial products.
Message how important this matter, we have emphasized to you many times, you can not familiar with the love child norm public numbers ( ID: ifanr ) reply "in credit " to learn about.
Thus, a brand new personal credit system came into being. In January 2015, the central bank formally approved eight pilot institutions to carry out personal credit reporting business. There are familiar sesame credits, Tencent credits and so on..
However, although the trial started, the problems followed. The intention of the central bank is to hope that everyone can provide some new reference dimensions for the current popular microcredit and online loan businesses beyond the original official credit information system. However, because of the large number of pilots, each of them has its own business interests. The war failed to meet the Central Bank's "third-party independence" standard. At the end of the trial period, no one was qualified and could successfully obtain a license.
However, the issue of personal credit information business is still very imminent, so the central bank has also come up with a solution: put the pilot institutions together to form a unified credit agency. This is the aforementioned "hundred bank credits."
In February of this year, Baixing Credit Co., Ltd. finally got the first personal credit information license issued by the central bank, which was valid for 3 years .
In the Baixing Credit Collection, apart from sesame credit, Tencent Credit, Qianhai Credit, Koala Credit, Pengyuan Credit, Zhongxin Credit Information, Zhongzhi Chengxin, and Huadao Credit With financial and non-banking financial institutions participating in an 8% stake, the China Internet Finance Association is the largest shareholder with a 36% stake.
This kind of structure has played a role in checks and balances to a certain extent, and it is more in line with the "independence" principle of the Central Bank's previous requirements. The Mutual Gold Association plays a leading role in this, and the remaining eight commercial organizations, regardless of their previous market position, hold the same shares in Baixin Credit Co., Ltd. and this shareholding ratio does not involve business relations. There is no dividend.
It is reported that although the business has been formally listed, the Baiyin Credit Co., Ltd. has not yet started to conduct business externally. There is no conclusion as to how the data of various organizations will be accessed and how they will be used in the future.
What is certain, however, is that the previously relatively confusing sources of credit data will establish new standards on the basis of Baixing's credit information. However, compared to the central bank's relatively mandatory credit system, this new credit system based on private and commercial organizations may still encounter many practical obstacles, such as how to truly ensure the sharing of information between organizations. and many more.
For our common people, the emergence of a new personal credit information system is also a good thing. In addition to allowing you to clearly and clearly understand where each of your lending has come from, the more standardized third-party credit systems, such as Sesame Credit, Tencent Credit, etc., may usher in more in the future. Use and landing scenes.
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