Companies related to personal credit information industry: People Credit Information and Park Dao Credit Information.
This paper contains core data: personal housing loan balance, credit card issuance and loan balance, personal credit market scale, etc.
The balance of individual housing loans is increasing.
In recent years, more and more consumers buy real estate for the purpose of self-occupation and investment preservation. From 20 12 to 2020, the balance of individual housing loans shows a steady upward trend. By the end of 2020, the national individual housing loan balance reached 34.44 trillion yuan, up 14.6% year-on-year.
With the development of economy, the number and balance of personal loans are increasing year by year, and credit management is playing an increasingly important role: on the one hand, we should be alert to the problem of personal housing bad loans; On the other hand, we should also pay attention to the requirement of "no real estate speculation". The supervision of "housing-related" credit funds is becoming stricter, the bank's review of mortgage loans is also becoming stricter, and the qualifications of buyers are strictly inspected, so the demand for personal credit report will gradually increase.
The number of credit cards issued and the scale of loans have increased year by year.
In recent years, the credit card market has also ushered in a golden period of accelerated development, and credit cards have become a more important non-cash payment tool in residents' daily life. The credit card market in China has played a great role in stimulating domestic demand and consumption.
According to the data of the People's Bank of China, by the end of 65,438+February in 2020, the scale of China's credit card market continued to expand, and the total credit card repayment at the end of the period was 79 1 trillion yuan, an increase of 4.2% compared with 20 19; The cumulative circulation of credit cards in China has reached 778 million, an increase of 4.3% compared with 20 19.
Personal credit information is used in all aspects of life, from applying for mortgage, car loan and credit card to using credit information, to renting charging treasure and traveling for free. Personal credit information is used more and more frequently.
The cumulative number of personal credit inquiries has increased rapidly.
Judging from the cumulative number of personal credit inquiries, according to the data of the Credit Information Center of the People's Bank of China, the cumulative number of personal credit inquiries in China shows a rapid growth trend from 20 14 to 2020. In 20 14 years, there were 405 million personal credit inquiries. In 2020, the cumulative number of personal credit inquiries has reached 3 1.6 1 100 million, and the number of personal credit inquiries has increased by 680%.
Central Bank Credit Information Center
The personal credit information market is huge, but few licenses are issued.
According to estimates, the personal credit information market will reach 37.9 billion yuan in 2020, with a five-year compound growth rate of 20%. Combined with the compound growth rate of China's personal credit reporting market in 20021-2026 and China's credit reporting market in the past five years, it is estimated that the scale of China's personal credit reporting market will reach 43.6 billion yuan in 20021year.
Note: The market size of personal credit information in China = cumulative inquiry times * average inquiry unit price of personal credit information.
Faced with such a large demand for personal credit information, there are only two companies that have obtained personal credit information licenses in China, one is the people's credit information, and the other is Park Dao Zheng Xin.
In 20 18, Baixing Credit Information Bureau obtained the first personal credit information license in China, and in July 2020, it became the first credit information agency in China with dual licenses for personal credit information and corporate credit information business. Driven by the People's Bank of China, China Internet Finance Association established Baixing Credit Information. Other shareholders include Sesame Credit, Tencent Credit, Shenzhen Qianhai Credit, Peng Yuanzheng Credit, China Chengxin Credit, Koala Credit, Zhongzhicheng Credit and Beijing Huadao Credit. The main positioning is to carry out personal credit investigation activities in areas such as peer-to-peer lending outside traditional financial institutions such as banks, securities and insurance, and to include the financial credit data of individual customers not covered by the central bank's credit investigation center.
By the end of 2020, the total number of financial institutions expanded by Bai Hang Credit Information Co., Ltd. reached 1.887, and the total number of personal information subjects included in the personal credit information database reached 654.38+63 billion. In 2020, the total consumption of personal credit reports of Bai Hang Credit Information Co., Ltd. was 65.438+67 billion, and the total consumption of all products of Bai Hang Credit Information Co., Ltd. exceeded 400 million.
Park Road Zheng Xin was incorporated in Beijing Chaoyang Bonded Zone on February 28th, 2020 with the postcode of 65438. It is the second national personal credit reporting agency approved by the administrative license of the State Council credit reporting supervision and management department. Major shareholders and shareholding of Park Road Zheng Xin: Beijing Financial Holding Group Co., Ltd. holds 35% of the shares; JD.COM Digital Technology Holdings Co., Ltd. holds 25%; Beijing Xiaomi Electronic Software Technology Co., Ltd. holds17.5%; Beijing Defiance Technology Co., Ltd. holds shares17.5%; Beijing Juxin You Xiang Enterprise Management Center (Limited Partnership) holds 5% of the shares.
Park Road Zheng Xin Company will adhere to the market-oriented operation mechanism, take "credit reporting+technology" as its core competitiveness, focus on the in-depth mining and analysis of non-credit substitute data within the legal framework, and strive to solve the financing support problem of credit white households or quasi-white households that are difficult to cover by traditional financial services. By establishing an open and transparent information disclosure mechanism, we will provide independent, inclusive, fair, professional and safe credit products and services, and realize our own business while fulfilling social responsibilities and serving the public.
—— For more data, please refer to the Analysis Report on Market Foresight and Investment Strategic Planning of China Credit Information Industry by Forward-looking Industry Research Institute.