Credit reporting agencies shall not collect information about personal income, deposits, securities, commercial insurance, real estate and tax amount.

a credit reporting agency refers to a legally established third-party agency that mainly engages in credit reporting business, and is engaged in collecting, sorting out, processing and analyzing credit information of enterprises and individuals, issuing credit reports, providing diversified credit reporting services, and helping customers to judge and control credit risks.

Credit reporting agencies are the pillars of the credit reporting market, and they play a vital role in the modern market economy, which is a necessary prerequisite for expanding the scale of market transactions under asymmetric information. Without the social functions undertaken by credit reporting agencies, it is difficult for social credit to fully play its role.

judging from the development of credit information systems around the world, due to the differences in national conditions and legislative traditions, the credit information institutions established by them have their own characteristics. According to the different nature of ownership, credit agencies can be divided into public credit agencies, private credit agencies and mixed credit agencies.

according to different information subjects, it can be divided into individual credit reporting agencies, enterprise credit reporting agencies, credit rating agencies and other credit information service agencies. The public credit reporting agencies are represented by Germany and France, the United States is a typical private credit reporting agency model, and Japan is a typical mixed credit reporting agency model.

economic identity card

Credit information service can enable enterprises and individuals with good credit records to obtain more trading opportunities at lower transaction costs, while enterprises or individuals without good credit records are the opposite. "The value of credit information has gradually emerged in economic development and social construction, and it has become an' economic identity card' for enterprises and individuals."