Online lending big data is generally the information submitted by a user when borrowing from an online lending platform. From lending to repayment or overdue, these data will be uploaded to the database by online lending companies. As the basis for auditing loans of other online lending platforms, if the online loan is overdue, the platform enjoying this database will refuse the loan application of overdue users.
If you have questions about big data, you can search on Alipay's homepage: Do you know the data?
Check the big data report yourself, and if there is information such as breach of contract and court dishonesty, it will also be displayed.
Credit information is collectively referred to as: central bank credit information. The credit record of the central bank is the data of banks or some licensed institutions, and it is the data of a person's life, which is very important to users. Both mortgage and car loan pay great attention to a person's credit qualification. If there is an outstanding loan, it will be rejected when applying for a mortgage.
Extended data:
Credit information database
1, enterprise credit information database
After the collection, processing and entry of hundreds of branches in 10 and the daily optimization and maintenance of hundreds of staff, there are now more than 20 million enterprise databases in China, involving hundreds of millions of valuable enterprise credit information, and the longest traceability of credit information can reach 8 years, thus establishing the largest enterprise credit information database in China.
2, enterprise credit information is divided into six categories.
They are government supervision information, bank credit information, industry evaluation information, media evaluation information, enterprise operation information and market feedback information.
Among them, government supervision information includes enterprise basic qualification, quality inspection information, administrative license/recognition, administrative reward and punishment information, trademark/patent/copyright information, and people's court judgment; Bank credit information includes credit evaluation information of China People's Bank, commercial banks, microfinance companies and private lending.
Industry evaluation information includes industry association (community organization) evaluation information, water, electricity, gas, communications and other public institutions evaluation information; Enterprise operation information includes enterprise financial information and enterprise management system evaluation information; Market feedback information (including real-name evaluation information of consumers, counterparties, partners, employees and other different identities).
Baidu Encyclopedia-Zheng Xin