Shanghai Credit Information Services
Shanghai Credit Information Services is a PBOC-controlled credit information services company operating the CCS, NFCS, and LSP platforms to provide enterprise credit data and PBOC credit reporting support to banks, non-bank lenders, and government agencies in China.
- Company typePrivate
- Founded1999
- HeadquartersShanghai, China
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Shanghai Credit Information Services does
Shanghai Credit Information Services Co., Ltd. (上海资信有限公司) is a Shanghai-headquartered, state-owned credit information services company founded in 1999 and controlled by the People's Bank of China's Credit Reference Center since 2009. The company operates three core credit information platforms — the Commercial Credit System (CCS) for enterprise credit data sharing, the Internet Finance Credit System (NFCS) for non-bank and online lending institutions, and the Financial Leasing Service Platform (LSP) — alongside PBOC second-generation credit reporting support tools (data submission, query, and maintenance modules). Its CCS Phase II database covers over 28 million enterprises across 17+ provinces, and partner institutions total 200+ as of 2019.
The company generates revenue primarily through enterprise credit reports, enterprise public information queries, cross-border credit reports, and platform services sold to banks, insurance and securities firms, financing leasing companies, commercial factoring firms, internet finance platforms, and microfinance institutions. Pricing follows a cost-compensation principle on core CCS products, with value-added products charged per query. Distribution is B2B direct sales, complemented by a 2023 mobile channel integration with China UnionPay's Yunshanfu app and a 2021 blockchain-based cross-regional sharing linkage via the Yangtze River Delta Credit Chain. The company also held a Securities Market Credit Rating License from the CSRC (obtained 2017), but in late 2025 applied to cancel this credit rating agency registration amid industry consolidation. Operational scale remains modest, with headcount in the 11-50 range.
Shanghai Credit Information Services firmographics
Firmographics- Name
- Shanghai Credit Information Services
- Legal name
- 上海资信有限公司
- Website
- https://shanghai-cis.com.cn
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Shanghai Credit Information Services is a PBOC-controlled credit information services company operating the CCS, NFCS, and LSP platforms to provide enterprise credit data and PBOC credit reporting support to banks, non-bank lenders, and government agencies in China.
- Ownership category
- akta.pro rank
Shanghai Credit Information Services industry classification
Industry- Product category
- Credit Information Services
- NAICS
- Credit Bureaus (561450), Activities Related to Credit Intermediation (5223)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320), Personal Credit Institutions (6141)
- akta.pro primary industry
- Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)
- akta.pro secondary industry
- Alternative / Non-Traditional Credit Data Providers (FSAKAKAB)
Keywords
Where Shanghai Credit Information Services is headquartered
LocationHeadquarters
- HQ city
- Shanghai
- HQ country
- China
- HQ region
- Asia
Offices2 records
Markets served
Shanghai Credit Information Services business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure
Revenue model
- Enterprise Credit Report and Data Query Services: The company provides commercial credit reports, enterprise public information queries, important information alerts, cross-border credit reports, and other data-based services to financial institutions, with pricing based on compensation-cost principles.
- Platform Services for Financial Institutions: Providing LSP platform services, one-stop small-micro financial services, and credit reporting system integration/access services to non-bank financial institutions (financing leasing, commercial factoring, microfinance, internet finance), supporting their access to credit reporting systems and operational management.
- Credit Rating Services: Providing credit rating services including credit market credit rating (credit evaluation for loan applications) and capital market credit rating (corporate bond, convertible bond, ABS ratings), including those under China Securities Regulatory Commission licensing.
- Technical and Consulting Services: Services including government project evaluation, capital supervision, industry research, and consulting, supporting local social credit system construction.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Cost-compensation pricing for credit data services |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Shanghai Credit Information Services product offering
Product offeringCore offering
Shanghai Credit Information Services operates proprietary credit information databases and shared credit systems that collect, share, and deliver personal and enterprise credit data to financial institutions in mainland China. Its core platforms include the Commercial Credit System (CCS), Internet Finance Credit System (NFCS), Financing Lease Service Platform (LSP), One-Stop Small-Micro Finance Service Platform, and PBOC Second-Generation Credit Reporting software products, complemented by enterprise credit reports, public information query services, and capital market credit ratings.
Product overview
Shanghai Credit Information Services Co., Ltd. (上海资信有限公司) operates as a comprehensive credit information and rating service provider with a multi-product platform architecture. The core products include the Commercial Credit Information System (CCS) for enterprise credit data sharing, the Financial Leasing Comprehensive Service Platform (LSP) for leasing business management, and the Internet Financial Credit System (NFCS) for non-bank credit information. Supporting infrastructure includes PBOC second-generation credit reporting tools (data submission, query management, data maintenance platforms) and the One-Stop Small Micro Finance Service Platform. The company provides both credit information services and capital market credit ratings (corporate bonds, convertible bonds, asset securitization) under CSRC license. These products work together to serve the PBOC credit system, non-bank financial institutions, and the broader social credit system construction in China.
Differentiator
Problem solved
Functional benefit
Brands
- CCS (Commercial Credit征信系统): Business credit information sharing system serving non-bank financial institutions
- NFCS (网络金融征信系统)
- LSP (融资租赁综合服务平台)
Products and services
- Commercial Credit System (CCS / 商业信用征信系统) A commercial credit information sharing platform that collects credit information from financing leasing, commercial factoring, and inter-enterprise credit transactions, providing enterprise credit sharing services to partner institutions. Serves as a complementary system to the PBOC enterprise credit system for non-bank financial institutions across 17+ provinces and municipalities.
- Internet Finance Credit System (NFCS / 网络金融征信系统) A nationwide credit information system for internet finance and non-bank financial institutions, collecting credit information from online lending, micro-loans, consumer finance, and financial leasing companies, providing personal credit sharing services and helping online lending institutions access the PBOC credit system. Reached 200+ partner institutions by September 2019.
- Financing Lease Comprehensive Service Platform (LSP / 融资租赁综合服务平台) A comprehensive service platform for financial leasing companies with five major functions: business management, process management, credit services, registration services, and system management. Helps leasing companies improve business management and credit reporting efficiency and obtain PBOC credit system querying permissions.
- One-Stop Small-Micro Finance Service Platform (一站式综合服务平台)
Quantifiable outcome
- Over 28 million enterprise records covered in commercial credit database
- +3 more outcomes
Companies that use Shanghai Credit Information Services
Customer profileNamed customers14 records
Segments4 records
Ideal customer profiles4 records
Shanghai Credit Information Services technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature6 records
Shanghai Credit Information Services partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- China UnionPay Co., Ltd. (中国银联股份有限公司)coreShanghai Credit Information征信 joined hands with China UnionPay to integrate the 'Enterprise Information Query' application into the Yunshanfu (云闪付) mobile app, enabling mobile access to enterprise public information through the app's search function. This marked a breakthrough in mobile channel service delivery, making enterprise credit information available to all Yunshanfu users.
- 长三角征信机构联盟 (Yangtze River Delta Credit Institution Alliance)coreShanghai Credit Information successfully connected to the Yangtze River Delta Credit Chain (长三角征信链), a blockchain and big data platform established under the PBOC's guidance for the Yangtze River Delta integration strategy. The company completed hardware deployment, network connection, and launched the first batch of credit reports on the platform in August 2021, enabling cross-regional enterprise credit information sharing among credit institutions.
- Shanghai Internet Finance Industry Association (上海市互联网金融行业协会)coreShanghai Credit Information signed a strategic cooperation agreement with the Shanghai Internet Finance Industry Association at the 2017 LendIt Fintech Summit. The partnership covers joint research on internet finance sectors, collaboration on self-regulation management systems and P2P registration management, promotion of internet finance credit database construction, and industry service standards.
Scale indicators9 records
Recent moves7 records
Expansion highlights5 records
Shanghai Credit Information Services competitors and assessment
Company assessmentBroad incumbents
- Experian plc: Global consumer and business credit reporting bureau. Comparable as a credit bureau operator with consumer and commercial credit data products, analytics, and decisioning services — useful international reference for credit bureau economics and product breadth.
- Equifax Inc. Global credit bureau providing consumer and commercial credit information, scoring, and analytics. Comparable in credit bureau core operations and in serving both non-bank and bank financial institutions with credit data infrastructure.
- 前海征信 (Qianhai Credit / Ping An OneConnect Credit): A licensed personal credit reporting agency affiliated with Ping An Group providing enterprise and personal credit information services to financial institutions across China. Comparable in enterprise credit information offerings with broader group distribution.
- 中诚信征信 (China Chengxin Credit): A major Chinese credit information and rating provider serving banks, insurers, and capital markets. Comparable as an enterprise credit reporting and rating incumbent, though with broader financial services and capital markets reach.
Emerging players
- 鹏元征信 (Pengyuan Credit): A licensed personal credit reporting agency in China offering consumer credit reports, scoring, and anti-fraud services to financial institutions. Comparable in consumer credit information services though with a more commercial operating model.
Direct peers
- 中征（天津）动产融资登记服务有限责任公司: PBOC-linked entity providing movable property financing registration services that overlap with Shanghai Credit's movable property financing data submission system. Sister PBOC system addressing adjacent credit infrastructure needs.
- 中征（北京）征信有限责任公司 (Sino-Credit Beijing): A PBOC-affiliated credit reporting agency operating movable property financing registration and credit information services. Direct competitor offering similar PBOC-aligned enterprise credit data products and a recurring institutional channel for non-bank financial institutions.
- 芝麻信用 (Zhima Credit / Sesame Credit): Ant Group's consumer credit scoring and credit information service. Operates an alternative consumer credit data platform using internet behavior and transaction data, directly comparable in credit scoring and consumer credit information services.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Shanghai Credit Information Services compliance and trust
Trust signalCompliance4 records
Shanghai Credit Information Services financial estimates
Financial estimateRevenue estimate
Valuation estimate
Shanghai Credit Information Services leadership team
Management profileNumber of profiles
Profiles5 records
Shanghai Credit Information Services subsidiaries and ownership
Company hierarchySubsidiaries1 record
Shanghai Credit Information Services funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Shanghai Credit Information Services M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Shanghai Credit Information Services
What does Shanghai Credit Information Services do?
Shanghai Credit Information Services operates proprietary credit information databases and shared credit systems that collect, share, and deliver personal and enterprise credit data to financial institutions in mainland China. Its core platforms include the Commercial Credit System (CCS), Internet Finance Credit System (NFCS), Financing Lease Service Platform (LSP), One-Stop Small-Micro Finance Service Platform, and PBOC Second-Generation Credit Reporting software products, complemented by enterprise credit reports, public information query services, and capital market credit ratings.
Is Shanghai Credit Information Services a public or private company?
Shanghai Credit Information Services is a private company. It is classified as state government owned and is currently operating.
When was Shanghai Credit Information Services founded?
Shanghai Credit Information Services was founded in 1999. It employs 11 to 50 people.
Where is Shanghai Credit Information Services based?
Shanghai Credit Information Services is headquartered in Shanghai, China, in the Asia region.
How does Shanghai Credit Information Services make money?
Four revenue lines are on record. Enterprise Credit Report and Data Query Services are the primary driver. The others are platform Services for Financial Institutions, credit Rating Services and technical and Consulting Services.
Who are Shanghai Credit Information Services's main competitors?
Broad incumbents on record are Experian plc, Equifax Inc., 前海征信 (Qianhai Credit / Ping An OneConnect Credit) and 中诚信征信 (China Chengxin Credit). 鹏元征信 (Pengyuan Credit) is listed as an emerging player. Direct peers are 中征（天津）动产融资登记服务有限责任公司, 中征（北京）征信有限责任公司 (Sino-Credit Beijing) and 芝麻信用 (Zhima Credit / Sesame Credit).
Does Shanghai Credit Information Services have an API?
No public API is recorded for Shanghai Credit Information Services.
What industry is Shanghai Credit Information Services in?
Shanghai Credit Information Services's product category is Credit Information Services. Its primary akta.pro industry code is FSAKAKAA, Credit Bureaus & Consumer Credit Reporting Agencies, with a secondary code of FSAKAKAB, Alternative / Non-Traditional Credit Data Providers. Its NAICS code is 561450 and its SIC code is 7320.