LTG in this article
Goldrock introduces several categories of credit reporting ~
1. According to business models, it can be divided into two types of corporate credit and personal credit reporting
Corporate credit reporting is mainly to collect corporate credit information and production enterprise credit products; personal credit information is mainly to collect personal credit information and produce personal credit products.These two types of business types are completed by one agency, and some countries are completed by two or more institutions, or institutions that have both individual credit reporting in one country and two types of individuals and enterprises.Institutions of the type of business are generally not restricted, and the credit reporting agency is determined by the actual situation according to the actual situation.There are three main business models in the US credit reporting agency:
(1) Credit assessment agency of the capital market, its evaluation objects are stocks, bonds and large infrastructure projects;
(2) Commercial market evaluation agency, also known as corporate credit reporting service company.
(3) Personal consumer market evaluation agencies, their credit objects are consumer individuals.
2. According to the service object, it can be divided into credit reporting, business credit reporting, employment credit, and other credit reporting
The main service target of credit credit reporting is financial institutions, which provides support for credit decision -making; the main service target of commercial credit reporting is wholesalers or retailers to provide support for sales decision -making; the main service target for employment of credit reporting is employers, providing support for employer employer decision -making supportIn addition, there are other credit reporting activities, such as market surveys, debt handling, real estate, real estate appraisal, etc.Some of the credit reporting business of different service objects are completed by an institution, and some are completed around independent enterprises around the upstream and downstream of database credit reporting agencies.
3. According to the scope of credit collection, it can be divided into regional credit, domestic credit, transnational credit reporting, etc.
Regional credit reporting is generally small, and credit reporting services are only provided in a particular area. This model is generally more in countries that have just started the credit reporting industry. After the development of the credit industry has developed to a certain stage, most of them are merging or professional.Segmentation, regional credit reporting in the real sense gradually disappears; domestic credit reporting is one of the most institutional forms in the world at present, especially for countries that have opened credit reporting agencies in recent years.In the past few years, it is rising rapidly. The reason why such credit reporting can develop rapidly is mainly internal and external reasons: internal reasons are that some old credit institutions in Western countries use a variety of forms (such as setting up establishment in order to expand their business (such as setting up establishmentSubsidies, cooperation, participation in shares, providing technical support, establishment offices, etc.) penetrate to other countries; external reasons are mainly due to the acceleration of the world economic integration process.The demand for multinational credit reporting business is also increasing. In order to adapt to this development trend, the form of institutions such as transnational credit reporting will inevitably become more and more.However, due to the different political systems, legal systems, and cultural backgrounds of each country, the development of transnational credit reporting has also been restricted.
