Credit reporting service refers to the service of providing credit information and credit evaluation to the information subject according to the authorization of the information subject. Credit reporting services can be divided into personal credit reporting services and corporate credit reporting services, both of which have different content, format and query methods. This paper introduces the definition, classification, characteristics and development trend of credit reporting service, and analyzes the application value of credit reporting service in market research, investment and financing consulting, IPO listing consulting and other fields, combined with some customer cases of Shangpu Consulting.

Credit is an indispensable element in social and economic activities, which is related to the economic interests and social reputation of individuals and enterprises. In order to ensure and promote the healthy development of the credit market, it is necessary to establish a perfect credit information system, collect, sort, store, process, analyze and use all kinds of credit information, form an objective, accurate, timely and comprehensive credit report, and provide convenient, safe and efficient credit information services for information subjects and information users.

What is a Credit Reporting Service?

According to the provisions of the Regulations on the Administration of the Credit Investigation Industry, the credit investigation industry refers to the collection of relevant information of individuals or organizations from information sources in accordance with the law, processing and sorting to form credit investigation products, and providing information to information users in accordance with the authorization of the information subject or other regulations. Activities of providing credit products. Credit reporting service refers to the service of providing credit information and credit evaluation of the credit information or the organization by the credit agency according to the authorization of the information subject. In short, it is a document issued by a credit bureau on the past and present economic activities and performance of an individual or enterprise.

How are credit reporting services classified?

Generally speaking, according to the different information subjects, credit reporting services can be divided into personal credit reporting services and enterprise credit reporting services.

Personal credit reporting service refers to the service provided by credit institutions to individuals with all kinds of records and evaluations of loans, payments, defaults, etc. generated by themselves in financial institutions, public institutions, administrative organs, etc. A personal credit report typically includes the following:

Basic personal information: name, gender, date of birth, ID number, contact information, etc;

Personal performance information: loan records, credit card records, quasi-credit card records, etc;

Personal public information: tax arrears records, civil judgment records, enforcement records, etc;

Personal query records: self query records, other people query records, etc.

Enterprise credit reporting service refers to the service provided by a credit bureau to an enterprise that records and evaluates all kinds of loans, payments, defaults, etc. generated by its organization in financial institutions, administrative organs, business partners, etc. A business credit report typically includes the following:

Basic information of the enterprise: name, address, legal representative, registered capital, business scope, etc;

Enterprise performance information: loan records, guarantee records, bill records, etc;

Enterprise public information: tax arrears records, administrative penalty records, judicial decision records, etc;

Enterprise query records: query records by yourself or others.

What are the characteristics of the two types of credit reporting services?

Personal credit reporting services and corporate credit reporting services have the following characteristics:

The content is different: the personal credit report service mainly reflects the credit status of the individual, focusing on the individual's borrowing and payment behavior, while the enterprise credit report service mainly reflects the credit status of the enterprise, focusing on the operation and financial situation of the enterprise;

Different formats: personal credit reporting services usually adopt a unified standard format, which is easy for information subjects and information users to read and understand, while enterprise credit reporting services usually adopt a customized professional format, with differentiated display and analysis according to different industries and needs;

Different ways of inquiry: personal credit report service can usually be inquired through various channels such as credit center official website, bank online banking, mobile banking APP, self-service teller machine, etc., while enterprise credit report service usually needs to be inquired on-site or mailed through credit center sub-center or inquiry point.

What are the trends in credit reporting services?

With the development of social economy and the improvement of credit market, credit reporting service is also in constant innovation and progress, mainly in the following aspects of development trend:

Data sources are more diversified: in addition to traditional information sources such as financial institutions, public institutions, and administrative agencies, new information sources such as the Internet, e-commerce, and social media will also be introduced to enrich the content and dimensions of credit information;

More intelligent data processing: use big data, cloud computing, artificial intelligence and other technical means to effectively integrate, analyze and mine massive credit information to improve the value and efficiency of credit information;

The application of data is more extensive: in addition to the traditional financial field, it will also be extended to education, medical care, tourism, leasing and other fields to realize cross-border sharing and mutual benefit of credit information;

Pay more attention to data security: strengthen the protection and supervision of credit information, prevent information leakage, tampering, abuse and other risks, and safeguard the legitimate rights and interests of information subjects and information users.

What are the advantages of Champ Consulting in the field of credit reporting services?

As one of the well-known independent third-party research and investment and financing consulting institutions in China, Shangpu Consulting has rich market research, investment and financing consulting, IPO listing consulting and other business experience and customer resources, and also has outstanding advantages in the field of credit reporting services:

Professional team: Shangpu Consulting has a high-quality, efficient and highly professional consulting team, with deep industry knowledge and rich project experience, and can provide customers with comprehensive, professional and customized credit reporting services;

Special database: Shangpu Consulting has established a special database covering multiple industry fields, collected a large amount of industry data and market data, and can provide customers with timely, accurate and comprehensive credit information support;

Patented technology: Shangpu Consulting has 28 independent intellectual property rights, and has developed a series of advanced data analysis methods and market measurement models, which can provide customers with scientific, objective and rigorous credit evaluation results;

Professional cooperation: Shangpu Consulting has established long-term cooperative relations with many well-known credit agencies, financial institutions, industry associations, and government departments at home and abroad, which can provide customers with more credit information sources and credit information service channels.

What are the success stories of Champ Consulting in the field of credit reporting services?

Champ Consulting provides quality consulting services to clients in a number of industries and sectors in the field of credit reporting services, and the following is a brief overview of some of the success stories:

Market research: Shangpu Consulting provides a well-known European automobile manufacturer with credit reporting services for the Chinese automobile market, including the credit status of Chinese automobile consumers, the credit risk of the automobile financial market, and the credit supervision of the automobile industry. Help customers understand the credit environment and credit needs of the Chinese automobile market, and provide strong support for customers to formulate effective market strategies and marketing strategies;

Investment and financing consulting: Shangpu Consulting provides corporate credit reporting services for a leading domestic Internet financial platform, including the platform's own credit status, the credit rating of loan users on the platform, and the credit risks of the industries and regions involved in the platform. Content, to help customers improve their own credit level and credit management capabilities, and provide effective reference for customers to find suitable investors and partners;

IPO listing consultation: Shangpu Consulting provides a well-known domestic e-commerce company with pre-IPO credit reporting services, including the company's own financial status, operating status, legal status and other aspects, as well as suppliers related to the company, Customers, competitors and other aspects to help customers improve their own credit information disclosure and credit information management, it provides a strong guarantee for customers to successfully pass the IPO audit and listing transactions.

Summary

Credit reporting service is the service of credit information and credit evaluation provided by credit agencies to information subjects, which is an indispensable element in social and economic activities. Credit reporting services can be divided into personal credit reporting services and corporate credit reporting services, both of which have different content, format and query methods. Credit reporting services are also constantly innovating and improving, with more diversified data sources, more intelligent data processing, more extensive data applications, and more emphasis on data security. As one of the well-known independent third-party research and investment and financing consulting institutions in China, Shangpu Consulting also has outstanding advantages in the field of credit reporting services. It has a professional team, special database, patented technology and professional cooperation, and is a number of industries and fields. Customers provide high-quality consulting services.