Does the online merchant bank collect credit information?

At the meeting, I received a loan from Alipay Online Bank. If the repayment is overdue, you will face penalty interest. As for other small loan companies, whether small loan companies receive credit information depends on whether small loan companies are connected with the central bank's credit information interface. The data shows that there are less than 100 microfinance companies accessing the central bank's credit information interface.

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Personal credit information is recorded in the personal credit report, which mainly includes personal basic information and credit information (whether there are bank loans and credit card overdue overdraft records, etc.). ) and non-bank information (water, electricity and other public utilities payment information, tax arrears, civil judgments, etc. ). This information will affect individuals' lending behavior in financial institutions. For example, when a bank handles a personal mortgage, it needs to read a credit report. If the credit status is good, they may get preferential treatment, while those with overdue records may have to raise prices or even get loans. It can be said that the personal credit report is an individual's economic identity card. Since March 27th, 20 13, the personal credit service platform of the central bank's credit information center has been tested and tried out for the public in Jiangsu, Sichuan and Chongqing provinces. Subsequently, since 20 13, 10/0/28, the pilot program has been expanded to 9 provinces, and 6 pilot provinces including Beijing, Shandong, Liaoning, Hunan, Guangxi and Guangdong have been added. As the online inquiry of credit report is only piloted in some areas, there is no charge for the time being, and it does not occupy two free "places".

Due to the different legal traditions and credit reporting modes in different countries, there are great differences in the design of legal system. There are two forms of legislation on credit information industry abroad: special legislation and decentralized legislation. North America and emerging market countries mostly adopt special legislation, while European Union countries and some Asian and South American countries mostly adopt decentralized legislation. Generally, it pays attention to the standardization of personal credit information business, and has less restrictions on corporate credit information business. Most of them have made clear the information collection scope of credit reporting agencies, attached importance to the protection of the rights and interests of information subjects, and endowed them with important rights in credit reporting activities. In addition to the most common credit card overdraft and personal mortgage repayment in loans overdue, some behaviors such as arrears of living expenses and guarantees may be included in the personal credit report. The report shows whether I owe taxes, civil judgments, enforcement, administrative penalties or telecommunications arrears. , which will be displayed in the report. This means that in the future, arrears in water, electricity, gas or fixed telephone charges, as well as providing guarantees to third parties, and third parties failing to repay on time will also be included in bad credit records.