China Fund Reporter Lin Xue
The third domestic licensed personal credit reporting agency was officially approved.
The information released by the Peoples Bank of China on the official website on November 11 showed that Qiantang Credit Credit Co., Ltd. (hereinafter referred to as Qiantang credit) officially obtained the business licenseAfter the credit and Park Dao credit, the third domestic licensed personal credit reporting agency.
It is understood that the personal credit reporting agency mainly provides personal credit evaluation and other services.Devil development is conducive to activating the personal credit market.
Crystal Credit Credit License
Become the third domestic personal collection in ChinaLetter institutions
On November 11 this year, the "Public Information Form for Establishing a personal credit business" issued by the Peoples Bank of China shows that Qiantang credit acquisition has obtained operationsThe permission of the personal credit reporting business is valid until November 8, 2027. The business place is located in Room 701, Building 1, Qianjiang Zhejiang Investment Capital Center, Qianjiang Zhejiang Investment Capital, Xihu District, Hangzhou City, Zhejiang Province.
In fact, as early as November 2021, the Peoples Bank of China accepted the application for the establishment of Crystal Credit."Announcement on the relevant situation of Qiantang Credit Credit Co., Ltd. (Call)", Qiantang Credit Capitals registered capital is 1 billion yuan, and shareholders include Zhejiang Tourism Investment Group Co., Ltd., Ant Technology Group Co., Ltd., Chuanhua Group Co., Ltd.Hangzhou Financial Investment Group Co., Ltd., Zhejiang Electronic Port Co., Ltd., and Hangzhou Xishu Enterprise Management Partnership (Limited Partnership).
In January of this year, the central bank governor Pan Gongsheng talked at the State New Office conference that recently, the Peoples Bank of China is in conjunction with the Zhejiang Provincial Government to guide Qiantang Credit Application for personal credit licenses.
After 3 years, Qiantang Credit acquisition obtained a personal credit business license in November this year, becoming the third domestic licensed in China after the credit collection and Park Dao credit.Personal credit reporting agency.
记者发现，此次许可信息公示表中，钱塘征信的董监高人员包括陈隆、李臻、陈鑫春、聂正军、陈亮、章靖忠、郭田勇、Zhou Sheng school, Zhao Lei, Cheng Zhijuan.Among them, Chen Long and Chen Xinchun are from Zhejiang Tourism Investment Group Co., Ltd., and Li Zhen and Nie Zhengjun are from Ant Group.
According to reports, the financial credit information basic database developed by the personal credit reporting agency and the Peoples Bank of China Credit Information Center mainly provides personal credit evaluation and other services.
Industry insiders said that the approval of the establishment of a personal credit reporting agency will help stimulate the competitive vitality of the credit market, expand the coverage of personal credit reporting services, and meet individual consumers, individual industrial and commercial households, Credit service demand for small and micro enterprise owners, support the development of inclusive finance.
Personal credit reporting business development space
New institutions enter the market to stimulate market vitality
It is understood that the first market -oriented personal credit reporting institution Baixing Credit Co., Ltd. was approved in 2018.Eight credit reporting companies such as Zhongcheng Credit Credit and Sesame Credit were established.At the end of 2020, , which was initiated by five companies including Beijing Financial Holding Group Co., Ltd., JD.com and Xiaomi Electronics, was approved and became the second personal credit reporting agency.
At present, Baixing Credit and Park Dao Credit Credit has achieved a certain market share in the personal credit market.According to media reports, Baixing Credit and Park Dao Credit Symposium has accumulated more than 900 financial institutions. Since this year, the two institutions have provided more than 40 billion services.
The third personal credit reporting institution Qiantang Council was officially approved. Insiders believe that the approval of new institutions will increase the supply of personal credit service and help credit records without credit records.The credit "thin households" of "white households" and a small amount of credit records conduct credit evaluations to better obtain financing services; at the same time, it can also help commercial banks and individuals solve the problem of asymmetry and inadequate credit information, which is conducive to further activating personal credit.Market, boost residents consumption.
It is understood that as of the end of September 2024, the basic database of the Peoples Bank of China financial credit information basic database contained 1.16 billion natural person information, of which 760 million people had credit information records, but 400 million people did not have no people.Any credit information record.Personal credit reporting agencies can form a beneficial supplement to the blank market, and better meet the credit reporting services of consumers and financial institutions.
The reporter learned that after the establishment of Crystal Credit, it will provide various personal credit products and services such as personal credit evaluation for financial institutions and personal information.Optimize the layout of the credit market and increase the effective supply of personal credit reporting.
In addition, it is understood that during the preparation period, Qiantang Credit Credit has formulated the collection, processing, processing, provision and use of data classification, data classification and grading management of personal credit information,More than 30 internal control systems such as information security management and objection processing. The company has the person in charge of personal information security and personal information protection, and is responsible for personal information security and protection.
Edit: Joey
Review: Woodfish
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