The credit reporting system is helpful to solve the problem arising from lack of personal credit in China.

个人信用征信是解决我国目前信用缺位的有力手段。

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It compares his responses with information obtained from protected repositories of personal data maintained by credit reporting companies affiliated with the bank, and it accesses this information in real time, making no permanent record of it at the bank.

ECONOMIST: Fake ID cards

Companies, and especially credit-reporting firms, generally enjoy more latitude than government bodies do in making personal information available to third parties.

ECONOMIST: Data mining: Know-alls | The