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Innovation and Reform of Credit Reporting Service: Expert Discussion

2024-07-18 10:21:03 Source: Champu Consulting Visits:0

A credit report is a document prepared by an authority or a third-party organization that reflects the credit status and credit risk of an individual or enterprise over a certain period of time. Credit report is an indispensable infrastructure in the financial market, which plays an important role in improving financial efficiency, reducing financial costs, preventing financial risks and promoting financial innovation. At the same time, credit report is also an important resource in the social economy, which is of positive significance for promoting the construction of social integrity, protecting the rights and interests of consumers, and promoting fair competition.

In China, at present, there are mainly two types of institutions providing credit reporting services: one is the basic database of financial credit information set up by the state, that is, the credit reference center of the people's Bank of China, which is responsible for collecting, processing, storing and providing the financial credit information of individuals and enterprises; the other is the credit reference institutions set up by market entities, such as Baixing Credit, Sesame Credit, etc, responsible for collecting, processing, storing and providing non-financial credit information of individuals and businesses. These two types of institutions have their own focus and complement each other, and together constitute China's diversified credit reporting system.

With the development of the Internet, big data, artificial intelligence and other technologies, credit reporting services are also facing opportunities and challenges of innovation and change. From the content point of view, the traditional credit report mainly relies on the transaction records and repayment records of individuals or enterprises in the financial field, while the modern credit report can use big data technology to collect and analyze the behavior data of individuals or enterprises in non-financial fields such as social network, e-commerce platform and sharing economy, so as to form a more comprehensive and detailed credit portrait. From the channel point of view, traditional credit reports mainly provide inquiry services through offline outlets or online official websites, while modern credit reports can use Internet technology to provide more convenient and efficient inquiry services through mobile applications such as mobile banking APP and cloud flash payment APP2. From the application point of view, the traditional credit report is mainly used in bank loans, guarantee and other financial fields, while the modern credit report can use artificial intelligence technology, applied to rental, employment, travel and other areas of life, to achieve the diversified value of credit.

As a well-known independent third-party research and investment and financing consulting institution in China, Shangpu Consulting is committed to providing professional solutions for corporate strategic decision-making. In the field of credit reporting services, Shangpu Consulting has rich professional experience and customer resources, and has provided relevant consulting services for many financial institutions, credit reporting agencies, and Internet platforms. The following are some of the credit reporting services provided by Champ Consulting to clients:

For a large state-owned bank to provide personal credit report content optimization and channel expansion consulting services, to help the bank to improve the quality and coverage of personal credit reports, enhance the market competitiveness and social influence of personal credit reports.

Provided a private credit agency with consulting services on data collection and analysis of corporate credit reports, helped the credit agency establish a corporate credit information database covering multiple industries and regions, and improved the accuracy and reliability of corporate credit reports.

For a well-known e-commerce platform to provide consumer credit report application scenarios and model design consulting services, to help the e-commerce platform to use consumer shopping, evaluation, after-sales and other behavioral data on the platform, to build a consumer credit scoring system, to achieve the diversified application of consumer credit reports in the platform.

Shangpu Consulting believes that credit reporting services are an area of continuous innovation and change. With the advancement of technology and market demand, credit reporting services will show more diversified, intelligent, convenient, and value-based characteristics. The development of the financial market and social economy will have a more profound and positive impact.

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Shangpu Consulting In the field of consulting, we can also provide you with the following services:

Research Module	research content
Market research	Industry status	market capacity	Product Application	channel mode	Supply chain	market competition	Market Consulting
Competitor Research	Enterprise background	Enterprise Finance	Sales Data	Market Strategy	Production Equipment	Supply Procurement	Technology R & D
Competitor Research	warehousing logistics	channel construction	Human Resources	Enterprise Strategy
User Research	Consumer Survey	consumption behavior attitude	Publicity/Promotion	Product Service	Brand Research	consumer characteristics
User Research	satisfaction survey	Employee satisfaction	user satisfaction
Market Entry Advisory	Macro Industry Research	competitive enterprise research	Downstream User Research	Channel Research	Due Diligence	Return on Investment
Market Entry Advisory	Floor module	Landing implementation recommendations	Long-term cooperation
Business investment due diligence	Target industry market investment value due diligence	Industry Benchmarking Enterprise Research	Target Enterprise Credit Assessment Report	Project investment due diligence
industry planning	Market research	market access	development strategy	investment location	Acquisition and integration	IPO Fundraising
Credit Report	Basic information	Major Events	Production/Operation Network	enterprise scale	Operating strength	Financial strength	Legal risk
Credit Report	Future business prediction	Overall credit rating	cooperative risk warning
Brand/Sales Proof	Market Share Proof	Market Share Proof	Proof of brand strength	Industry Proof	Specialized new proof	Proof of sales strength	Proof of technological leadership
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More than 20 years of focus on the Chinese market consulting, won the user recognition, user satisfaction reached more than 96%, the following is part of the user praise