The following online loans will be credited:
1, credit card repayment type online loan:
Laka loan, card loan, small win card loan, repayment, etc.
2. Commercial bank products:
Ping An I Loan (Ping An Bank), Qian Bao Loan (Rural Credit Cooperative), Mobile Phone Loan (Rural Credit Cooperative), Resume Loan (Bank of Beijing), Baiqian Finance (Harbin Bank), Sui Xin Loan (China Bank), etc.
3. Products of first-line Internet companies:
Online business loans, JD.COM gold bars, micro-loans, loans, Baidu's money, Suning's free payment, Netease's small loans, etc.
There is only one way to know which ones are on credit and which ones are not-look at the comprehensive rate. If the comprehensive rate is less than 24%, you must be on credit. If the comprehensive rate is higher than 36%, you will definitely not open credit. There are only a few in the middle, so you'd better check them before using them.
Extended data:
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 institutions to share credit information.
2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
1. According to the business model, it can be divided into two categories: corporate credit reporting and personal credit reporting.
Enterprise credit investigation is mainly an institution that collects enterprise credit information and produces enterprise credit products;
Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products.
In some countries, these two types of businesses are completed by one institution, and in some countries, they are completed by two or more institutions respectively, or in a country, there are both institutions engaged in personal credit investigation and institutions engaged in both personal and corporate credit investigation business types, which are generally not restricted and are decided by the credit investigation institutions independently according to the actual situation.
2, according to the service object can be divided into credit, business credit, employment credit and other credit.
The main service object of credit investigation is financial institutions, which provides support for credit decision-making;
Commercial credit information mainly serves wholesalers or retailers and provides support for credit sales decision-making;
The main service object of employment credit information is the employer, which provides support for the employment decision of the employer;
In addition, there are other credit activities, such as market research, creditor's rights processing, movable property and real estate evaluation.
Credit information services for different customers are completed by one institution or in independent enterprises around the upstream and downstream of credit information institutions, and are equipped with databases.
3. According to the scope of credit reporting, it can be divided into regional credit reporting, domestic credit reporting and transnational credit reporting.
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. In recent years, cross-border credit reports are rising rapidly.
What loan platforms are used for credit reporting?
First, Ant Financial Service
Its credit lending includes loans and online business loans, and some users of Huayuan can obtain credit information.
Second, Gitzo Consumer Finance
Its subsidiaries include Gitzo Fu Bao, Gitzo Super Loan and Gitzo Consumption Stages. 3. Ping An Pratt & Whitney.
Its subsidiaries include Ping An I Loan, Oxygen Loan and Home E Loan.
Third, Weixin Huizhi Finance
Its subsidiaries include WeChat Credit Card, Doudou Money, Star Money Bag, Yue Le Flower Shop and Beauty Club.
Fourth, immediately consume finance.
Its subsidiaries include instant loans, job enjoyment, horse staging, comfortable flowers and so on.
Verb (abbreviation of verb) 360 Finance
It has 360 IOUs and so on.
The intransitive verb Bank of China Consumer Finance
Its subsidiaries include Xinyi Loan Micro-loan, BOC Consumer Wallet, Sina Loan, Sina Loan and Lexiang Loan. Seven, Baifubao Technology (Baidu Wallet)
It has Baidu Qianhua, Baidu Education Staging and Baidu Decoration Staging.
Eight, Gome
It has American loans.
Nine, China Post Consumer Finance
It owns China Post wallet, fast loan and so on.
X. jingdong finance
It owns JD.COM gold bars and so on.
XI。 Qianhai Weizhong Bank
It has small loans and so on.
Twelve. Zhaolian consumer finance
Its subsidiaries include Zhaolian Owner Loan, Zhaolian Consumption Staging, Good Term Loan, Credit Payment and Qihua.
Thirteen. Lacarra
It owns Lakara Easy Staging, and Lakara will wait for you.
Fourteen Suning finance
It has Suning's willingness to pay.
Fifteen, rural credit cooperatives
Including Qian Bao and mobile phone loans.
16. Huarong Consumer Finance has a credit wallet.
Seventeen, Yin Bei consumer finance has resumed loans.
I. Bank loans
Undoubtedly, all bank loan records will be uploaded to the credit information system, including consumer loans launched by banks, such as lightning loans of China Merchants Bank.
Second, joint loans.
Due to the limited funds of small lending institutions, they often lend money together with banking institutions. Because the loan funds include bank funds, such loans will also be submitted for credit investigation.
For example, before Alipay Ant borrowed money to upgrade, the funds were provided by the small loan institutions under Ant Financial. After the upgrade, a number of banks were introduced to jointly lend money. In the loan interface, you can see that lenders include other banks such as Shanghai Pudong Development Bank, and then ants borrow money. Also began to collect credit information.
Three. Other loans
Although some loans are not bank loans or joint bank loans, they will still receive credit information. As the number is too large to list one by one, you only need to pay attention to whether the loan contract and agreement at the bottom of the page are authorized, and upload the loan record to the credit information system of China People's Bank before applying for a loan.
Which loans will be collected at the meeting?
Credit institutions collect information from sources of credit information. Specifically, credit information mainly comes from the following two types of institutions:
1. Institutions providing credit business.
Mainly commercial banks, rural credit cooperatives, companies and other specialized institutions that provide credit business.
Second, other institutions.
Including individual housing provident fund center, individual pension insurance and other institutions.
In addition, some of the above institutions also provide basic information such as personal address and contact information, which are provided to these institutions by individuals when handling business.
Extended data
According to "Regulations on the Administration of Credit Information Industry" and "Reply of the National Development and Reform Commission on Issues Related to the Service Charge Standard of Credit Information Center of China People's Bank" (NDRC Price [2016] No.54), the Credit Information Center of China People's Bank has visited the counter for the third time every year since 20 16 15.
The basic database network of personal credit information covers all parts of the country. No matter where you are, you can go to the branch of China People's Bank.