PENGYUAN credit reference blockchain

1. China's credit instry is mainly based on enterprise credit, while personal credit needs to be developed, and the overall market prospect is broad. China's enterprise credit development is early, and the market is relatively mature. By the end of 2016, there are about 137 enterprise credit reference institutions in China. Personal credit has not yet been put into market operation and the license has not been issued yet. Eight units, including Tencent credit, sesame credit, Qianhai credit, lakara credit, Zhongcheng credit, zhongchengxin credit, PENGYUAN credit and Hua credit, have participated in the personal credit pilot organized by the central bank. Private personal credit institutions can indirectly participate in the personal credit market through cooperation with banks and other financial institutions, but they can not directly publish personal credit reports. To obtain personal credit reports, they can only go through the central bank credit system. As of the end of June 2016, the central bank's credit reference center has included 21.2 million enterprises and other organizations and more than 900 million natural persons, of which only 5.77 million have credit records with 410 million natural persons. The data of Experian, a global credit giant, has covered 103 million enterprises and 890 million people in the world. Compared with the market demand and credit market scale of the United States, the future development space of China's credit market is huge

the emergence of blockchain technology has become a good medicine to understand the pain points of credit reference instry. Through the characteristics of authenticity, transparency and non tampering, blockchain technology can solve the problems of trust and data sharing between credit agencies, so as to solve the problems of data island and incomplete data. Through the establishment of an alliance chain, first of all, the problem of data right confirmation can be completely solved. In an alliance chain system, credit reference institutions, users, government departments, financial institutions and other relevant units in the chain can be added, and different access rights can be designed to ensure the ownership of data, open up information sharing, and protect data security from theft and leakage

on this basis, the channels for credit agencies to obtain data are greatly widened, which can save the cost of data collection; At the same time, the cooperation between different organizations has become more smooth, recing the cost of cooperation and communication. Credit agencies can put the saved costs into other links to improve the overall quality of procts<

the Xueshuo innovation blockchain Technology Workstation of Lianqiao ecation online is the only approved "blockchain Technology Specialty" pilot workstation of "smart learning workshop 2020 Xueshuo innovation workstation" launched by the school planning, construction and development center of the Ministry of ecation of China. Based on providing diversified growth paths for students, the professional station promotes the reform of the training mode of the combination of professional degree research, proction, learning and research, and constructs the applied and compound talent training system.

2.

PENGYUAN credit reference is a professional credit reference institution specialized in personal and enterprise credit reference, personal and enterprise scoring, credit reference system design and development, software design and development, and credit risk control of small and medium-sized enterprises

PENGYUAN credit reference Co., Ltd., established on April 8, 2005, is a professional credit reference institution specializing in personal and enterprise credit reference services nationwide. In August 2012, the national development and Reform Commission approved the pilot project of e-commerce credit information sharing and evaluation service of PENGYUAN Credit Information Co., Ltd. as a national e-commerce pilot project

the general business items are: credit investigation and evaluation of enterprises and indivials, database services, development and sales of computer software, and financial services related to credit investigation (the above items do not include restricted items)

the licensed business items are: information service business (Internet information service business only)

PENGYUAN Credit provides personal and enterprise credit reporting procts and services, such as personal and enterprise credit reporting procts, identity authentication procts, scoring procts, information verification procts, statistical index procts, automatic credit reporting procts, Internet service procts, etc., and provides overall solutions to prevent identity fraud risks for different fields Credit card risk prevention solutions, credit risk prevention solutions, Internet financial risk prevention solutions, post loan risk tracking and early warning solutions, etc

extended data:

PENGYUAN credit reference system:

since the PENGYUAN credit reference system developed by the company was completed and put into use in 2002, it has provided customers with 7 × The 24-hour automatic query service has been in safe and stable operation for 12 years. Now it has provided more than 70 million credit reports. At present, the main users of PENGYUAN credit information system include: government, banks, small loan companies, public utilities, e-commerce platform and other institutions

the system has been widely used in the fields of government awards evaluation, personnel settlement, bank credit card issuance, loan approval, telephone account opening, job recruitment, investment guarantee, pawn financing, etc., which plays a positive role in preventing and resolving social credit risks and promoting the establishment of an honest society< br />

3. Brief introction: PENGYUAN credit reference Co., Ltd., established in 2005, is a professional credit reference institution specialized in personal credit reference, enterprise credit reference, enterprise rating, enterprise and personal credit management. The company has passed the high-tech enterprise certification, al soft enterprise certification, national information security certification and international software maturity (CMMI) certification, and has been in a leading position in the field of personal and corporate credit
the company's independent research and development of the Peng Yuan credit system, with its own core credit rating technology's advanced nature, innovation and practicality, has obtained the certificate of software license issued by China National Copyright Administration, and the overall technology is at the leading level in China. PENGYUAN credit information system also won the second prize of Shenzhen Financial Innovation in 2007. In 2009, the system was rated as "national informatization pilot project" by the national development and Reform Commission, which set a good example for the construction of credit reference system in other regions of the country
the company's independent research and development of "loan enterprise rating system" has pushed China's loan enterprise rating technology to a new height. The continuous function and digital rating technology used in this set of rating standards is the first in China, and the overall technology is at the leading level in China, and has won the 2005 Shenzhen Science and technology progress award
after years of development, the company has developed into a professional credit reference institution with a group of young and high-quality talents. It has accumulated rich experience in the design and development of credit reference system, the construction of regional credit system, and credit reference management consulting. It also has in-depth research on professional data mining and statistical analysis. The company's corporate and personal credit services are widely used by more and more domestic and foreign financial institutions, enterprises and government departments, playing an increasingly important role in the construction of China's social credit system, maintaining market fairness and improving economic efficiency
as one of the earliest pioneers engaged in China's credit reference service, we are full of confidence in the future and will become the most influential and credible credit reference institution in China with unique advantages<
legal representative: Gu Guoliang
date of establishment: April 8, 2005
registered capital: RMB 201.15 million
region: Guangdong Province
unified social credit Code: 91440300772741343f
business status: existing (in business, open business (registered)
instry: leasing and business services
Company type: limited liability company
staff size: 100-499 people
address: 4th floor, Sunshine Golf building, 7008 Shennan Avenue, Futian District, Shenzhen
business scope: enterprise and personal credit investigation and evaluation, database service, computer software development and sales, Financial services related to credit investigation (excluding the above restricted items)^ Information service business (Internet information service business only).

4. PENGYUAN credit reference Co., Ltd., established on April 8, 2005, is a credit reference institution registered in the State Administration for Instry and Commerce and approved by Shenzhen municipal government and Shenzhen Central Branch of the people's Bank of China. It specializes in personal credit reference, enterprise credit reference, enterprise scoring, personal scoring, design and development of credit reference system, software design and development, and credit risk control of small and medium-sized enterprises, It is a high-tech enterprise in Shenzhen and a double soft enterprise in Shenzhen. It has passed the national information security certification (ISO27001) and international software maturity (CMMI) certification, and the information system security level protection is level 3
the company has been engaged in credit reference business for more than 12 years, and has many core technologies, such as PENGYUAN credit reference system, scoring system, customer relationship management system, etc., which are initiated in China and have completely independent intellectual property rights. The credit reference technology is safe and reliable
the PENGYUAN credit information system developed by the company has provided customers with 7 services since it was completed and put into use in 2002 × The 24-hour automatic query service has been in safe and stable operation for 12 years. Now it has provided more than 70 million credit reports. At present, the main users of PENGYUAN credit information system include: government, banks, small loan companies, public utilities, e-commerce platform and other institutions. The system has been widely used in the fields of government awards evaluation, personnel settlement, bank credit card issuance, loan approval, telephone account opening, job recruitment, investment guarantee, pawn financing and so on. It plays an active role in preventing and resolving social credit risks and promoting the establishment of an honest society
after years of efforts, the company has developed into a professional credit reference institution with a group of young and high-quality talents. It has accumulated a lot of rich experience in the design and development of credit reference system, the construction of regional credit system and management consulting, and also has in-depth research on professional data mining and statistical analysis. The credit procts and services provided by the company are widely used by more and more domestic and foreign financial institutions, investors, government departments and media, and play an increasingly important role in the construction of China's social credit system, maintaining market fairness and improving economic efficiency
as a pioneer of China's credit service instry, PENGYUAN company is full of confidence in the future and will become the most influential and credible comprehensive credit service organization in China with its unique advantages
on January 5, 2015, PENGYUAN Credit Information Co., Ltd. was approved by the people's Bank of China and began to prepare to carry out personal credit information business. As a pioneer of China's credit service instry, PENGYUAN company is full of confidence in the future and will become the most influential and credible comprehensive credit service institution in China with its unique advantages.

5.

PENGYUAN credit information believes that when it comes to credit repair, we have to mention two concepts: one is the central bank credit information system, the other is the online loan big data system, both of which belong to the credit information system

we are all familiar with the central bank's credit investigation. Its data sources are mainly banks, rural credit cooperatives, small loan companies and other professional credit institutions. The personal credit information on the central bank's credit investigation report is transmitted to the central bank's credit investigation center through the line network of the credit investigation system

the term "big data of online loan" may be quite strange to you. Its data source is mainly online loan companies. The big data system of online loan has been born for several years, but it has developed rapidly. In terms of data transmission, it is similar to the credit reference system of the central bank. The system will integrate the information transmitted by various data generating institutions and then save it, Online credit big data can be queried on platforms such as WebTrust experts. The two credit reference systems mentioned above all adopt advanced computer automatic processing technology, which can not be interfered with manually

"if the information subject thinks that there are errors or omissions in the information collected, preserved or provided by the credit reference institution, he has the right to raise objection to the credit reference institution or the information provider and ask for correction."“ If a credit reference institution or information provider receives an objection, it shall, in accordance with the provisions of the credit reference instry supervision and administration department under the State Council, mark the relevant information with an objection, check and handle it within 20 days from the date of receiving the objection, and reply the result to the objector in writing. "

"after verification, if it is confirmed that there are errors or omissions in the relevant information, the information provider and credit reference institution shall correct them; If it is confirmed that there is no error or omission, the objection mark shall be cancelled; If it cannot be confirmed after verification, the verification and the contents of the objection shall be recorded. "

It can be seen that [PENGYUAN credit] personal credit can indeed be repaired. Lawyer Xiao SA, director of the China Banking Law Research Association, said that the regulations make it clear that every citizen has the right to raise objection to the credit data or carry out credit repair. After the bad records of personal credit information appear, the right to repair can be exercised actively until the legal period comes. From "objection application" to examination, the result can be determined in 20 days

At the same time, citizens will face all kinds of difficulties in personal credit repair. For example, the law stipulates that citizens have the right to file a lawsuit, but it is very difficult and almost impossible for people without professional knowledge to collect evidence to prove their claims, Sue in court, fight and wait for the verdict. Even if it can be done, it will cost a lot. Therefore, PENGYUAN credit reminds you that when you want to sue, you often entrust a lawyer to handle legal affairs on your behalf; In the occasion of personal credit repair, the "repair agency" with certain professional knowledge plays a similar role as a lawyer: entrusted by consumers, it provides them with consultation and training, helps them complete various preparations and proceres for credit repair, and charges certain fees

6. If the credit card is overe, it has little effect on the loan as long as the repayment is made in time. There are 13 cases that will leave bad records in the eyes of the bank, affecting the loan:
1
2. The monthly mortgage payment is overe or non repayment for 2 to 3 months
3. The monthly payment of car loan is overe or non repayment for 2 to 3 months
4. When the loan interest rate rises, the "monthly payment" is still paid according to the original amount, resulting in overe interest
5. Water, electricity and gas charges are not paid on time
6
7
8. If "sleep credit card" is not activated, annual fee will be generated. If it is not paid, negative credit record will be generated
9. Credit card overdraft and mortgage loan are not paid on time
10. When providing guarantee for the third party, the third party fails to repay the loan on time
11. The personal credit report will also record some economic judgments of the court. As a result, economic disputes such as debt can also affect credit records
12. Mobile phone dection is linked with bank card dection, and relevant proceres are not handled after the mobile phone is stopped. It is overe e to the monthly rent, which will also cause bad records
13. Credit card arrearage records are generated when someone else falsely uses his / her ID card or a of his / her ID card
the above 13 kinds of situations will lead to bad personal credit records of borrowers, and those in serious situations will enter the "blacklist" of banks. In addition, if the borrower's loan repayment is overe or the credit card repayment is overe, the bank should also analyze whether the overe is accidental. If it is occasionally overe and the time is not long, the bank will still give preferential treatment. However, in some cases, such as according to the bank, if the overe times exceed 3 times, the loan will be affected< How to keep a good credit card:
1
2. Pay by credit card, collect money and cash out directly
3. Making use of the interest free period to make profit from investment
4. Swipe the card as many times as possible to increase the credit limit.

7. It is possible that the POS swipe card merchant does not have the network access qualification, which is the transaction completed by the merchant who applied PENGYUAN credit information. Look at the amount and recall whether there is this POS consumption. If the amount is not right, and the amount is large, it may be stolen.

8. You can query personal and enterprise credit scores, including "PENGYUAN 800" personal credit comprehensive score, credit card risk score, micro loan risk score, application fraud score, collection score, and small and medium-sized enterprise micro loan application score. As well as personal and corporate credit reports, what distinguishes limousine from PENGYUAN credit reporting is that it mainly provides personal credit reports.