What are the new trends in the development of Internet credit information service?

The core data of this paper: the number of users, the number of daily queries, business types, information types and usage scenarios.

Background of network credit supervision in China

In 20 13, the State Council issued the Regulations on the Administration of Credit Information Industry, which marked that the construction of China's credit information system entered a new stage of marketization, legalization and standardization. In recent years, big data technology has been widely used in the field of credit reporting, and a large number of effective "substitute data" have been used to analyze personal credit status. In view of this background, the People's Bank of China issued the Measures for the Administration of Credit Information Business on 20021,which explicitly included other data besides credit data in the supervision, which will provide a good legal environment for Internet credit information and promote the development of Internet credit information business.

Three modes of online credit investigation in China.

—— Introduction of three modes

According to the different development modes of Internet credit information service, Internet credit information can be divided into central bank mode, Internet platform mode and "traditional credit information+Internet" mode.

With its unique political advantages, the central bank model relies on commercial banks and branches of the People's Bank of China to conduct credit investigation, forming a national credit investigation system; Internet platform mode is mainly developed by Internet companies, aiming at building a platform for information exchange and sharing, and achieving the purpose of credit reporting. The mode of "traditional credit investigation+Internet" mainly means that traditional credit investigation institutions use Internet technology to change data collection methods, deepen data analysis capabilities and upgrade credit investigation services.

-Comparison of the characteristics of the three modes

The three modes of credit investigation on the Internet have their own characteristics. In terms of data collection types, the "traditional credit information+Internet" model relies on the existing customer base, mainly collects credit information, and assists in collecting a variety of alternative information, which can analyze the credit situation of users more comprehensively and has more advantages in information quality; From the perspective of operation mode, Internet platform mode can quickly gather traffic and accumulate diversified credit data, which has more advantages in efficiency. The central bank can easily obtain authoritative data by relying on administrative power, and its operation mode is good.

Development Status of Network Credit Information in China

-the development status of the central bank model

The credit information system of China People's Bank has been officially launched nationwide since 2006, and the largest credit information system for enterprises and individuals in the world has been built so far. As of 20021,the central bank's credit information center has collected more than 60.923 million articles from enterprises and other organizations, and natural persons 1 1 100 million people; The average daily query volume reached 260,000 times and 9.88 million times respectively.

-Development status of Internet platform model

At present, the Internet platform model is mainly represented by Sesame Credit Management Co., Ltd. and Weizhong Credit Technology Co., Ltd., both of which have strong Internet background. Take Sesame Credit Management Co., Ltd. for example. It is a wholly-owned subsidiary of Ant Group. Relying on the advantages of Alipay and e-commerce platform, we can obtain all kinds of consumption and behavior data with the consent of users, and use a large number of substitute data to realize user credit evaluation.

As of 20021,the credit information platform of Sesame Credit Development Enterprise has included more than 4 million SME information; Usage scenarios include travel, accommodation, microfinance and other fields. The remarkable advantage of Internet platform mode lies in building a platform to realize information contribution, and relying on its own business to collect diversified alternative data to assist judgment.

-Development Status of "Traditional Credit Information+Internet"

The mode of "traditional credit reporting+Internet" is mainly that traditional credit reporting institutions use Internet technology to change their own data collection methods, deepen their data analysis capabilities and upgrade their credit reporting business. Typical case: China Chengxin Co., Ltd. developed "Vientiane Credit Information" one-stop Internet big data credit information platform to provide real-time online big data credit information products and services.

Taking China Chengxin as an example, its internet credit investigation cooperates with hundreds of financial institutions and large and medium-sized enterprises, mainly collecting credit information and assisting in replacing data, which can be used in banking, insurance, internet finance, supply chain finance, consumer finance, consumption, life and other business scenarios.

The above data refer to the Analysis Report on Market Foresight and Investment Strategic Planning of China Credit Information Industry by Forward-looking Industry Research Institute.