1.Standard credit information products in eight categories:
Company registration data, namelists of directors, supervisors and management, scope of business, and factory registration data.
Information on the credit balance, delinquent amount, repayment status, guarantee information, and collateral (partial) of individual or corporate borrowers.
(3) Financial information
Financial statements and financial ratios of companies, and opinion of independent auditor, financial information by industry, and comparison with other companies in the industry.
(4) Affiliated (group enterprise and same related party) enterprise information
Long-term equity investment, short-term investment, transactions with related parties, change of shareholding by insiders, and China investments of companies.
(5) Consolidated credit information
Consolidated credit information and credit card information of individuals or companies.
(6) Credit cardholder and merchant information
Basic, information, card holding record, and payment status of credit cardholders, and merchant basic information and contract cancellation information.
Basic information of business entities and financial information of public companies.
(8) Other credit related information
Import, export, and real estate mortgage information of companies, fraud and forgery (alteration) of documents reported, and statistics of credit information inquires by members.
2.Customized credit information products:
In support of their needs for automated credit checks, JCIC provides contracted, custom-made credit information products for members. Those custom-made products have the following features:
Members can select the data units they desire which are presented in report form or as pure data. In the case of pure data, members can read and process the data directly in an automated process. This service makes it easier for members to promote online credit card and loan applications and approvals.
Aside from contracted inquiry products that are tailored to members’ credit card and loan approval operations, JCIC also offers risk modules that can help members establish their credit risk evaluation system, and support the consumer finance business of members in relation to customer account review and account management.