征信报告分为个人信用报告以及企业信用报告,是由中国人民银行征信中心出具的记载个人信用信息的记录,用于查询个人或企业的社会信用。 征信报告分为三类,分别是个人基本信息,信用交易信息,其他信息。 2019年5月个人新版征信正式面世,征信信息的时长及精细程度将进一步提升。 2020年1月19日,二代征信系统正式上线。
借款人和担保人应书面授权,同意贷款人查询其个人征信记录,并提供个人征信报告。
II. The Lender shall have a written authorization of both Borrower and Guarantor to inquire about their personal credit records and have personal credit information reports.
报告产品生产已经采用生产线形式,大型企业征信机构每天接受100至200项调查委托。
Large agencies produce reporting products in production line and they receive 100 to 200 orders per working day.
企业征信机构要在规模上做大,门槛相当高,主要反映在征信数据库规模和报告重复率方面。
If business focus on investigation, there is no way to be growth larger. Large reporting agencies win with larger size database and repeating rate of inquires.
应用推荐