What is the core of credit assessment, and the core of credit information is:

People's Bank of China personal credit system.

The core of credit information is residents' personal credit performance information, including but not limited to loan information and information on the use of credit cards in Youdong. The People's Bank of China has established a personal credit database based on the collected personal credit information, which is used to prevent credit risks and improve the bank's ability and efficiency in managing credit lending risks. Credit information effectively promotes the healthy development of personal consumption credit, reduces the difficulty of personal loans, as long as the credit is good, the loan will be very convenient.

What information does a personal credit report show?

1. Basic information related to personal identity;

2. Personal credit information generated by personal borrowing or other behaviors in financial institutions;

3.Payment information generated by individuals and commercial institutions or business service organizations;

4. Public credit records produced by individuals and administrative organs;

5.Other information related to personal credit.

If you want to inquire about personal credit information, you can go to the People's Bank of China. You need to bring relevant identity documents or log on to the People's Bank of China Personal Credit Information Service Platform to check your personal credit report. The above information will be shown in detail on the credit report.

Entity credit rating refers to:

1) According to the different rating objects, credit rating is divided into two types: subject credit rating and bond credit rating. An entity credit rating is a credit rating for an enterprise or economic entity. (2) The credit rating of the entity is based on the basis of "long-term", so the factors examined when conducting the credit rating of the enterprise entity, or the credit rating of the credit enterprise, are the factors that will affect the long-term and short-term solvency of the enterprise in the future.

3) Mainly include: external factors such as macro and regional economic environment, industry development trends, industrial policies and regulatory measures, and internal factors such as basic business risks, management capabilities, development strategies, and financial strength (including financial policies, cash flows, liquidity, profitability, and financial flexibility).

Rating method: (1) The bond rating is based on the credit ability of the bond issuer, and at the same time combined with the terms of the bond and the external support factors available for its repayment, to make a judgment on its comprehensive debt repayment guarantee ability. (2) Here bonds are divided into long-term bonds and short-term bonds, for short-term bonds (such as:

Factors affecting its short-term solvency (e.g., liquidity and cash flow position) will be given higher weight in the rating due to the short-term maturity of short-term financing bonds (generally less than 1 year). (3) The investigation of the terms of the bond is mainly to examine the scale, term, repayment method, repayment order, use of raised funds and specific debt repayment guarantee measures.

The examination of external support factors is mainly to examine whether the bond has guarantees, ** support and other credit enhancement measures, which are the key factors affecting the severity of the final default loss of the bond.

Credit rating is a social intermediary service that provides credit information to the society or provides decision-making reference for the unit itself. The fundamental purpose of a credit rating is to reveal the magnitude of the risk of default of the rated person, rather than other types of investment risk.

Corporate Credit Rating According to the different rating objects, there are two types of credit ratings: entity credit rating and bond credit rating. An entity credit rating is a credit rating for an enterprise or economic entity.

Answer]: A credit refers to the existing financial and monetary resources, to reply to the future payment of such a large kind of commitment, usually based on the credit subject, the credit is divided into commercial credit, silver scum Mengxing Zhizi credit, consumer credit, etc.

One of the reasons why the question of credit is a headache is that it is difficult to define the concept of credit, which directly leads to whether there is a difference between a credit score and a credit rating.

Let's talk about the concept of credit first, and then talk about the relationship between credit and credit evaluation and credit rating.

In a general sense, credit refers to borrowing credit in the economic field, and there are various definitions. Taken together, I define it as: credit is an act of keeping promises and fulfilling promises.

This is a more general definition of credit. It describes the state in question in which the credit act of the subject takes place, it happens, we can say that the subject has credit, otherwise it does not. And what does it mean to say that the subject has credit, in fact, it is to make a qualitative evaluation.

This qualitative evaluation is aimed at the credit evaluation of the subject. The performance of the evaluation results can be a quantitative value: a score, or it can be just a qualitative value: credit, credit, and trustworthiness.

For a specific subject A, the person who evaluates its credit only needs to have credit dealings with it. For this reason, different evaluators will give different evaluation results, and if this result is quantified, it is usually expressed as a score. Such as expert scoring, buyer scoring, etc.

When expert scoring is used to quantify the credit of an entity, it is often not possible to directly equip it. Because the scores of different people are affected by their own knowledge background, there are biases and need to be corrected. After using a credit evaluation model to convert the score into the credit score of the subject, the result obtained can be called the credit score.

For this reason, as many people score as there are scores, how many ratings can be formed. Note that the score here is calculated by the model. The significance of model calculations is to standardize the scores of different styles.

After the same subject has obtained different scores, we can assemble one step at a time: reputation value. Note that it is not a credit value.

Credibility is a kind of social reputation obtained by the subject in various aspects of credit behavior. It is a purely qualitative abstraction: it makes no sense to use a precise value to reflect the credibility of the subject, for which the credibility is often qualitatively divided by rank.

This process is known as credit rating. The result of the rating is often a qualitative symbolic representation that distinguishes the credibility of different entities.

In summary, is there an essential difference between a credit score and a credit rating?

My answer is that there is no essential difference, but the precision expressed is different. The reason is that credit score is a quantitative expression of the subject's credit, and credit rating is a qualitative expression of the subject's credit. They are all based on the evaluation of the entity's credit status, but the way of expression is different.

For this reason, there is no essential difference between the two. Just as when one person is 72 years old and another person says that he is an old man, he is talking about a person's age status.

The main body of credit score is a personal credit bureau, a variety of credit agencies, and intermediaries in the development of credit models.

The object of credit scoring is mainly individual consumers who apply for credit.