专业征信机构:未来中国征信业的方向

On the Special Credit Reporting Agencies Serving the Vertical Field

介绍美国受监管的专业征信机构及其服务于不同的消费生活场景,分析代表性的专业征信机构的基本业务,阐述专业征信机构和全面性(全国性)征信机构的关系。分析认为,美国专业征信机构为中国征信业的发展提供了借鉴和启示,2018年我国成立的百行征信是一个面向互联网信贷场景的专业征信机构,未来的专业征信机构是中国征信体系和信用机构服务培育的方向。

This article introduces the special credit reporting agencies under regulations in the United States and the different consumer life scenarios they serve,analyzes the basic businesses of the representative special credit reporting agencies,and expounds the relationship between the special credit reporting agencies and the national credit reporting agencies.The analysis argues that the American special credit reporting agencies provide references and enlightenment for the development of China’s credit reporting agency.Baihang Credit founded in the year 2018 is a special credit reporting agency for the internet credit scenario.The future special credit reporting agency is the direction of nurturing China’s credit reporting system and the services of credit agencies.