Where can I check personal credit information in Shanghai?

Announcement on Announcing the Enquiry Point of Personal Credit Report of China People's Bank Credit Information Center Shanghai Branch In order to facilitate the public to inquire about the personal credit report of China People's Bank Credit Information Center, the latest enquiry point is now announced as follows:

1. Enquiry point (enquiry counter/self-service inquiry machine) of Shanghai Branch of Credit Information Center of China People's Bank.

Address: 3rd Floor, Hualong Building, No.333 Suzhou South Road, Huangpu District, Shanghai Tel: 23 136373

Business hours: 9: 00- 1 1: 30 on weekdays? 13: 30- 16: 30 pm

2. Shanghai Pilot Free Trade Zone Information Desk (Information Desk)

Address: Counter 35, Building 9/KLOC-0, Keelung Road, Pudong New Area, Shanghai? Tel: 5869503 1

Business hours: 9: 00- 1 1: 30 on weekdays? 13: 30- 16: 30 pm

3. Shanghai Rural Commercial Bank Pudong Branch Business Department (self-service inquiry machine)

Address: century avenue 1500, Pudong New Area, Shanghai Tel: 962999.

Business hours: 8: 30- 16: 30 on weekdays? Rest on weekends and holidays.

4. Hong Song Road Sub-branch of Shanghai Rural Commercial Bank (self-service inquiry machine)

Address: Floor 1, Hong Song Road 152, Changning District, Shanghai Tel: 962999.

Business hours: 8: 15- 16:30 on weekdays.

Saturday 8: 30-11:3013: 00-16: 30? Rest on Sundays and holidays.

5. China Bank Shanghai Xuhui Sub-branch (self-service inquiry machine)

Address: Floor 2, No.355 Hongqiao Road, Xuhui District, Shanghai? Tel: 3460 1306

Business hours: 8: 30-11:3013: 00-16: 30.

Rest on weekends and holidays.

6. China Construction Bank Shanghai Xuhui Sub-branch (self-service inquiry machine)

Address: No.920, hengshan road, Xuhui District? Tel: 95533

Business hours: Monday to Saturday 9: 00- 17: 00? Rest on Sundays and holidays.

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

Extended data

credit report

At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

Credit information

1. Personal basic information used to identify individuals and reflect their family and occupation;

2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;

3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;

4. Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers;

5. Other information related to personal credit.

influencing factor

The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.

Credit reporting system

Personal credit information system, also called consumer credit information system, mainly provides personal credit analysis products for consumer credit institutions. With the improvement of customers' requirements, the data of personal credit information system is no longer limited to the traditional operation fields such as credit records, and attention is gradually turned to the business field of providing comprehensive social data services. Personal credit information system contains extensive and accurate consumer information, which can solve the restriction of insufficient customer information on enterprise marketing and help enterprises reach the target customers in the most effective and economical way, so it has high market value, and its application has also expanded to the direct selling and retail fields. In the United States, one-third of the profits of personal credit reporting agencies come from direct sales or database marketing, and personal credit reporting systems have been widely used in the marketing activities of enterprises.

At present, the personal credit investigation business has been further extended to foreign banks and non-banks, and has entered a new stage of development by cooperating with institutions such as pawn, guarantee and leasing.

The enterprise credit information system collects all kinds of business credit information of enterprises, including enterprise registration information, annual inspection grade, product compliance information, tax grade information, performance evaluation information of state-owned assets, import and export customs declaration records, credit financing records, industry statistical analysis information, etc.

2065438+April 23, 2007 Wan Cunzhi, director of the Credit Information Bureau of the People's Bank of China, said that, based on comprehensive judgment, none of the eight institutions currently preparing to open personal credit information is qualified, and they cannot issue licenses if they fail to meet the regulatory standards. 2065438+February 22, 2008, official website, the central bank announced that the application for personal credit reporting business of People Credit Information Co., Ltd. has been approved by the central bank, including the approval of the establishment of personal credit reporting institutions and the qualification approval of directors, supervisors and senior managers; The license expires on 202 1 1 3 1.

Social application

Recently, the People's Bank of China issued the Notice on Preparing for Personal Credit Information (hereinafter referred to as the Notice), requiring eight institutions including Sesame Credit and Tencent Credit Information to prepare for personal credit information, which means that the personal credit information market is "open".

This time, eight private enterprises entered the personal credit information market. Compared with the central bank's credit information service, experts pointed out that private credit information data is collected from a wider range, which will penetrate into people's life details, and the score of their credit reports will also affect individuals' renting cars and buying houses. "In the future, credit will become more and more important, and people without letters will be difficult to move."

Personal credit information will penetrate into all aspects of life.

Recently, the central bank issued a notice requiring eight private enterprises to do a good job in preparing for personal credit information for six months. In this regard, the media generally interpret this as meaning that the private credit information business is officially "opened". Guo Tianyong, a professor at the Central University of Finance and Economics, said in an interview with Zhongxin.com IT Channel that the original personal credit information was mainly concentrated in the credit information system, and it was mainly reflected in the credit business for personal influence; This situation will change and penetrate into the details of personal life after the opening of non-governmental credit reporting.

Guo Tianyong said, "One of the highlights of private credit investigation is the transfer of personal credit data collection from offline to online. Compared with offline, personal online life traces are easier to be recorded. Among the eight private enterprises, there are many companies such as Tencent and Ali. These enterprises are closer to people's livelihood and hold big data on the details of netizens' lives. "It is reported that among these eight private enterprises, there are not only Lacarra, which holds the data of residents' payment services such as water, electricity, gas, fixed line and broadband, but also Tencent and Ali, which are quite successful in social and shopping fields.

However, there is no official news about which data will be used for personal private credit information business. Some media have speculated that Didi taxi breaks, Taobao bad review records, and falsification of personal information when defrauding premiums will all become "stains" in personal credit information.

Guo Tianyong believes that any business involving personal integrity should be the scoring standard of personal credit report. Wu Jingmei, a professor at the School of Finance and Finance of Renmin University of China, believes that "what should be included and what should not be included should be defined by law in the final analysis."

A * * * knowledge is that the personal credit report data comes from the details of people's lives and will eventually be used in people's lives.

A person in charge of Tencent Credit Information said, "If a person has a high credit rating, he will enjoy a relatively high credit line when buying a house, a car or an Internet wealth management product." Xinhuanet also made a prediction. Perhaps, in the future, on the dating website, we can screen the contact objects through credit data to prevent fraudulent marriage; When renting a house, you can successfully pass the landlord's inspection by issuing a credit report; When applying for a job, you can get the approval of the unit by virtue of the credit report; When renting a car, those with good credit scores can be exempted from paying the deposit …

"Referring to the American personal credit information system, in China, personal credit will become more and more important in the future. People who don't believe can't move. " Guo Tianyong said.

References:

Baidu Encyclopedia-Personal Credit Survey