Recently, a number of platforms officially announced that they were allowed to access the central bank's credit information system, and a number of online lending platforms in Beijing officially accessed the basic database of financial credit information of the People's Bank of China (namely, the credit information system). In addition, more than 22 platforms have announced their participation in the central bank's credit information system, and the P2P platform has made substantial progress in accessing the central bank's credit information system. All borrowers who join the central bank's credit information system will regularly submit credit information related to the credit information system. At present, some borrowers
According to the incomplete statistics of the asset management blackboard newspaper, more than 22 mutual gold platforms have been allowed to access the central bank's credit information. The list is as follows:
note:
1. This list is based on statistics collected from public information. If there are any omissions or errors, please give us feedback (guaixiaozhu123 @126.com).
2. These statements are only used for industry research and do not constitute any investment advice.
In recent years, some borrowers took the opportunity to maliciously evade debts and failed to pay them back within the time limit, which aggravated the risks of P2P online lending industry. In order to increase the punishment for the borrower's dishonesty in P2P online lending and protect the interests of lenders, the leading group for special rectification of Internet financial risks and the leading group for special rectification of online lending risks jointly issued the Notice on Strengthening the Construction of P2P online lending credit information system in September, 2065438+2009, to support operating P2P online lending institutions to access the credit information system. With the continuous development of the online loan industry, the negative effects of malicious evasion of debts and overdue repayment are becoming more and more prominent. The Notice is undoubtedly of great positive significance for promoting the long-term healthy development of the online loan industry.
Malicious evasion of debts has always been a serious problem that plagues the P2P online lending industry. Incorporating credit information is undoubtedly one of the effective measures to prevent malicious evasion of debts, and it is also the long-term urgent demand of P2P institutions operating normally.
2019165438+1In early October, the Credit Information Center of the People's Bank of China held a training course for P2P online lending institutions to access the credit information system. It is understood that many platforms in Beijing participated in this training.
The training was explained in detail by the person in charge of the relevant departments of the Credit Information Center of the People's Bank of China from the aspects of credit information laws and regulations, data interaction mechanism and operation mode of accessing the credit information system, the importance of information security management, and how to do a good job in information security management around the credit information system. And focus on the information security risk management content after accessing the credit information system for training and counseling.
In fact, the training course was held to implement the Notice on Strengthening the Construction of P2P Online Credit Information System issued by the supervision in September this year. P2P online lending institutions, whether operating or not, will fully access the credit information system.
From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system. Local leading groups for special rectification of Internet financial risks and leading groups for special rectification of online loan risks are requested to organize P2P online lending institutions within their jurisdiction to access financial credit information basic database operating institutions (i.e. people's bank credit information center), people's credit information and other credit reporting institutions.
In the early stage, the People's Bank of China and the China Banking Regulatory Commission instructed all localities to incorporate the information of serious untrustworthy people in P2P online loans into the People's Bank Credit Information Center and the People's Credit Information Center. The National Development and Reform Commission (NDRC) has jointly punished the serious untrustworthy people of P2P online loans, which has played a positive role in cracking down on malicious evasion of debts by P2P online loans.
65438+ 10/9, Baixing Credit Information revealed that Baixing Credit Information is preparing for the filing of corporate credit information, and will pilot the development of products oriented to life scenes such as leasing, employment and travel in the future. According to the people's credit information, by the end of 20 19, the people's credit information system included1400,000 people, 65 million people after weight loss, 175 billion credit accounts and1800,000 credit records; A total of more than 38 million P2P borrowers were collected, which basically achieved full coverage of peer-to-peer borrowers and effectively cooperated with the special rectification of Internet finance.
The Credit Information Center of the People's Bank of China said on the 2 nd that as of the end of June last year, the personal credit information system had basically achieved full coverage of personal financial credit information; The People's Bank of China is making inspection plans for commercial banks and credit reporting agencies to ensure the safety of personal credit information.
By the end of 20 19 and 1 1, the personal credit information system had been connected to 3,693 lending institutions, covering personal financial credit information basically. The information in the credit information system is also mainly used by lending institutions to evaluate the credit risk of borrowers, which is widely used in the whole process before, during and after lending.