1. principle of authenticity: in the process of credit reporting, credit reporting institutions need to take appropriate measures to check whether the original materials are true, which is the first condition for credit reporting institutions to carry out credit reporting. Only accurate information can accurately reflect the credit of the respondent and ensure its fairness;

2. Comprehensive principle: also known as the principle of good faith, it means that the information in the credit report should be comprehensive and the content should be clear. The object of credit investigation, whether enterprises or individuals, is in an open economic environment.

Although there are similarities and differences in finance, assets, production, management, marketing, personnel, economic environment and other factors, they are all closely related and directly or indirectly affect the credit level of credit applicants to varying degrees;

3. The principle of timeliness: refers to the fact that the credit reporting agency tracks the information in real time as much as possible, and understands the latest credit status of the respondent according to the latest credit records of the respondent, so as to avoid the loss caused by the failure of the credit reporting agency to understand the credit changes of the respondent in time;

4. Privacy and trade secret protection principle: protecting the privacy or trade secret of the respondents is the basic morality of credit reporting institutions and one of the main contents of credit reporting legislation. Credit institutions shall establish strict business rules and internal control systems, handle credit information prudently, and ensure the security of credit information of recipients.