told reporters recently, small loan companies and financing Guarantee Corporation, has officially become the people’s Bank of Chinese (hereinafter referred to as the "central bank") to improve the whole credit system of the new regulatory object.
at the end of February, the central bank issued the "notice on the relevant matters of small loan companies and financing Guarantee Corporation access to financial credit information database" (hereinafter referred to as the "notice"), small loan companies and financing Guarantee Corporation for local branch select the access to the credit system as soon as possible, and submit the annual reports on access work at the end of the year. Currently, some provinces and municipalities have issued work arrangements for this arrangement, waiting for two types of agencies to submit applications.
is a close to the central bank, the central bank believes that the move is intended to break the barrier between the customer credit information of small loan companies, financing Guarantee Corporation, banks, trust companies, financial institutions to prevent personal use of asymmetric information, lending support to the loan, enlarge the financial institutions loan risk.
however, the nascent P2P net loan industry, has drifted away from the central bank credit system, has become a "a fish escaped through the seine".
entry threshold high
the "notice" provisions of the people’s Bank branches to select a provincial platform access, direct access, indirectly through commercial banks to access, query and so on, the small loan companies, financing Guarantee Corporation customer credit data access to central bank credit system. However, these two types of financial institutions can query customer credit data directly to the central bank, is necessary by the people’s bank counter query, or by e-mail to the central bank, the company put forward the personal credit information inquiry request.
"this is to ensure the safety of credit information." These sources, the central bank credit center financial information database has included more than 1800 enterprises and 800 million personal credit information, but the information protection measures in these two agencies without qualification, the central bank is not fully open to the credit system.
therefore, the first access credit system of small loan companies and financing Guarantee Corporation, access threshold is quite high.
at present, the local branch of the central bank within the jurisdiction of all small loan companies, financing Guarantee Corporation conducted a diagnostic investigation, the first selection list have access to the credit system of strict conditions to choose the operation mechanism, standardized, large-scale asset management institutions of merit. To enter the first pilot small loan companies and financing Guarantee Corporation, credit rating must be above a class." The above sources. Behind the high barriers to entry, the central bank will be based on its credit rating and information security management and other conditions, decide whether to allow the opening of direct inquiry authority.
to access the credit system to the requirements of the central bank, part of the small loan companies and financing Guarantee Corporation have misgivings about the amount of bank loans, customers may no longer choose to access the credit system for small loan or Guarantee Corporation loans, resulting in the loss of customers.
aforementioned pointed out that small loan companies and