Has Shoujin Network been connected to Baihang Credit?

Accessed, I see that there is a promotion on the homepage of their official website.

You'll find out for yourself.

Currently, there are three types of credit databases.

Online loan database, Baixing credit, central bank credit.

The online loan database generally does not count the online loans that do not have credit information, and basically the online loans that do not have credit information will be uploaded to the online loan database.

Baihang Credit Statistics Statistics on the Loan Data Information of Some P2P Online Lending Platforms.

The central bank's credit investigation only counts the borrowing data information of formal online loans.

Generally speaking, if you want to query the online loan data report, then you only need to query the online loan data and the central bank credit information.

Online loan data: You can directly view the data of some P2P online lending platforms.

The database cooperates with more than 2,000 online lending platforms, and the query data is very accurate and comprehensive.

You can view the number of applications of the user, online loan data, online black index score, hit risk warning, court prosecution information, arbitration case information, dishonest person information and other data. You can also know the details of the overdue online loan, including the number of overdue days, the overdue amount, and the overdue platform.

Among them, users can judge whether they are blacklisted users based on the online black index score.

The score standard of the Internet black index is: 0-100 points, the lower the score, the better the credit.

The hit risk reminder can help users better understand their own shortcomings and improve the approval rate of online lending platforms.

Baihang Credit is a personal credit investigation agency under the supervision and guidance of the People's Bank of China and led by the Internet Finance Association of China. Its shareholders include eight companies, including Sesame Credit, Tencent Credit, Qianhai Credit, Pengyuan Credit, Zhongcheng Credit, Koala Credit, Zhongzhicheng Credit, and Beijing Huadao Credit. It is mainly aimed at traditional financial institutions such as banks, insurance, and **, related to P2P lending-related business, but in addition to financial data, the business also extends to life, e-commerce, and other transaction data, which can comprehensively analyze the comprehensive information score of borrowers.

Although compared with the authority of the central bank's credit, the data of Baixing credit does not account for so much in the loan, at most as a supplement, but it is difficult to guarantee that it will not be exchanged with the central bank's credit data later, so once the borrower's Baixing credit has a loan overdue record, it will be affected by the subsequent loan behavior, and many online lending platforms can find this record on Baixing credit and keep it for five years.

As long as everyone uses the loan normally, then whether it is the central bank credit or the credit of Baixing, it will not have any impact on us, so we should develop good borrowing habits.

Extended Materials. 1. The role of Baixing credit.

Baihang Credit can be simply understood as a private credit reporting agency, which fills the gap in the field of Internet finance for the People's Bank of China, but it is not connected to the People's Bank of China Credit for the time being, and the data will not be shared. Therefore, many people feel that hundreds of lines of credit are meaningless, even if they become the blacklist of hundreds of lines of credit and do it, it will not affect their normal life.

However, at present, there are many Internet financial companies and licensed consumer financial institutions with hundreds of lines of credit, and the existence of hundreds of lines of credit has broken the dilemma that the information of the Internet financial platform cannot be shared, realized the sharing of borrower data, and can stifle the chaos of some borrowers' long loans.

2. The impact of overdue credit investigation.

For example, if the borrower Xiao Wang's loan on platform A is overdue, if there is no Baihang credit, he can continue to borrow on platform B, or he can go to the bank to apply for a loan, because information is not shared between platform A and platform B, and it is impossible to know the credit status of the borrower Xiao Wang in multiple dimensions.

With Baihang Credit, the mutual finance platform can view the borrower's data with each other, and if the borrower Xiao Wang is overdue on platform A, he can't go to platform B to borrow smoothly.

Baihang Credit's personal bad credit record will also be retained for 5 years, and the overdue loan will be deleted after settling the overdue loan, if the borrower has not dealt with his bad credit record, it will be kept forever, affecting his application for other loan products.

Baihang Credit is mainly aimed at personal credit reporting activities in areas other than traditional financial institutions such as online lending, such as banking, insurance, etc. In the past, except for bank credit investigations, which were shared by financial institutions, other non-** institutions were in a state of information island, which was not conducive to questioning the integrity of borrowers.

There are more than 700 ** reports that have signed agreements with Baihang Credit, some say more than 600, and the first batch of mutual finance companies announced is 43. Shoujin.com should belong to the second batch, and basically the head platforms have already intervened.

At present, Baihang Credit has signed business cooperation and information sharing agreements with 976 institutions, covering Internet finance, consumer finance, small and medium-sized finance and new finance, etc., and has achieved information sharing with 105 institutions, and the personal credit production system has collected more than 63 million borrowers and 100 million credit accounts.