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What is bank credit reporting?
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.

Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records".

Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council promulgated the Regulations on Credit Management (Draft for Comment), and solicited opinions from all walks of life on the Regulations on Credit Management.

The emergence of credit investigation activities stems from the emergence and development of credit transactions. Credit is a special form of value movement based on repayment, including currency lending and commodity credit sales, such as bank credit and commercial credit.

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Classification:

According to the scope of credit information, it can be divided into regional credit information, domestic credit information and transnational credit information.

Regional credit information is generally small in scale and only provides credit information services in specific areas. This model generally exists in countries where the credit information industry has just started. After the development of the credit information industry to a certain stage, most of them tend to merge or specialize, and the real regional credit information gradually disappears.

At present, domestic credit investigation is one of the most formal institutions in the world, especially in countries that have set up credit investigation institutions in recent years. Cross-border credit reporting has risen rapidly in recent years. There are two main reasons why this kind of credit reporting can develop rapidly:

The internal reason is that some old credit reporting agencies in western countries have infiltrated other countries in various forms (such as setting up subsidiaries, cooperation, equity participation, providing technical support, setting up offices, etc.). ) in order to expand their business; The external reasons are mainly the acceleration of the process of world economic integration, the mutual penetration and integration of national economies,

There are more and more transnational economic entities, and the demand for transnational credit information service is increasing. In order to adapt to this development trend, there will inevitably be more and more cross-border credit information. However, due to the different political systems, legal systems and cultural backgrounds of different countries, the development of cross-border credit investigation is also restricted to some extent.

Baidu Encyclopedia-Zheng Xin