Personal credit status acquisition and integration method

A credit and credit technology, applied in data processing applications, instruments, finance, etc., can solve problems such as information asymmetry in the credit market, and achieve the effect of helping identify and manage credit risks and solve information asymmetry in the credit market

Inactive Publication Date: 2014-06-25
中国人民银行征信中心
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The invention provides a method for collecting and integrating personal credit status, which solves the problem of information asymmetry in the credit market and helps credit institutions identify and manage credit risks

Method used

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Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0029] The method for collecting and integrating personal credit status of the present invention comprises the following steps:

[0030] (1) Collect personal credit information, which includes loan business information and credit card business information:

[0031] The credit card business information includes credit card issuance information, credit card repayment information and credit card special transaction information;

[0032] -Credit card issuance information: cardholder name, cardholder ID type, cardholder ID number, financial institution code, credit card business number, place of occurrence, account opening date, currency, credit limit, guarantee method, guarantor name, guarantee Type of certificate of the guarantor, certificate number of the guarantor, guarantee amount and guarantee status;

[0033] - Credit card repayment information: date of issue, date of the latest actual repayment, used limit / overdraft balance, maximum used limit / maximum overdraft amount, amo...

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Abstract

The invention provides a personal credit status acquisition and integration method. The personal credit status acquisition and integration method comprises the following steps of (1) acquiring personal credit information, wherein the personal credit information includes loan service information and credit card service information; (2) collating all of acquired transaction information to form unified-format service data items to be stored in a database and used for being inquired by a credit extension mechanism. The service data items comprise basic credit transaction information data items, guarantee information data items and special transaction information data items. By adopting the personal credit status acquisition and integration method, personal credit reports are finally formed through personal credit information acquisition and integration, and accordingly credit statuses of related information main bodies are scientifically and comprehensively described and used for being inquired by the credit extension mechanism, assessing borrowers' personal credit risk and helping the credit extension mechanism to assess repayment probability or default risk of counterparties in the future. The information asymmetry problem of the credit market is solved, and the credit extension mechanism is helped to recognize and manage the credit risk.

Description

technical field [0001] The invention relates to a method for assessing personal credit, in particular to a method for collecting and integrating personal credit status. Background technique [0002] With the continuous deepening of my country's market economy, the cross-regional economic activities of social entities are becoming more and more frequent, the scale of bank credit is also expanding, and the proportion of credit activities in the national economy is increasing. Due to the lack of full understanding of the credit situation, commercial banks bear higher credit risks than other industries, and are also the first to suffer from various credit problems. Long-term loans, triangular debts, fraudulent loans, malicious defaults and evasion of bank debts continue to breed. Under the new situation, commercial banks put forward a demand for information sharing, and urgently hope to have a borrower information sharing platform that can realize cross-bank information sharing...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
Inventor 文四立陈波李家先杜鲲杨红丽张蕾
Owner 中国人民银行征信中心
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