联合信用征信股份有限公司

What 联合信用征信股份有限公司 does

联合信用征信股份有限公司 (Lianhe Credit Information Co., Ltd.) is a Tianjin-incorporated, Beijing-headquartered enterprise credit investigation and credit evaluation firm established in September 2014 as a wholly-owned subsidiary of 联合信用管理有限公司 (Lianhe Credit Management Co., Ltd.). The company obtained People's Bank of China enterprise credit investigation business filing (备案号2001) in October 2014 and operates under the broader Lianhe Credit Group, which is recognized domestically for bond credit rating, enterprise credit investigation, and credit evaluation services. It is designated as a cooperative credit investigation institution by the National Development and Reform Commission for equity and venture investment industry social credit system construction.

The company's product portfolio is organized into four business segments and four solution categories. The four business segments are (1) enterprise credit investigation — credit reports, due diligence reports, financial risk analysis reports, and major event monitoring and early-warning alerts; (2) supply chain finance — customized supply chain credit management and financing solutions plus risk control system development for SMEs; (3) social credit system construction — consulting, credit information application, and dishonest-record repair services for governments and industry associations; and (4) credit evaluation — enterprise group ratings, borrowing-enterprise ratings, small/micro enterprise ratings, financing guarantee company ratings, small loan company ratings, and bidding enterprise reputation ratings. The four solution offerings are credit model design, industry analysis (built on a proprietary industry prosperity measurement model), custom system development (including the "信用管家 / Credit Housekeeper" enterprise big data credit platform), and credit management training. Technology is centered on big-data mining and analytics, combined online-offline service architecture, and proprietary scoring/early-warning models that draw on government platforms, internet sources, and institutional data.

Commercially, the firm operates a direct-sales go-to-market through 30+ branch offices covering all Chinese provinces except Tibet, supported by a 400 customer hotline and an official website self-serve channel. Pricing is project-based for rating and investigation engagements with multi-year rating contracts and pay-as-you-go report pricing; pricing is not publicly disclosed. Customer segments span enterprise customers (including SMEs and individual business households), financial institutions (commercial banks, insurance, guarantee companies, small loan companies), and government and industry associations. The firm reports approximately 400 employees, with 91% holding bachelor's degrees or above and 83 holding master's degrees, and has been recognized as a National High-Tech Enterprise and National SME Public Service Demonstration Platform.

Name

联合信用征信股份有限公司

Legal name

联合信用征信股份有限公司

Website

https://lhcredit.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Credit Information Services

NAICS

Credit Bureaus (561450), Credit Bureaus (56145)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

akta.pro secondary industries

Credit Bureau Reporting & Dispute Management Support (FCRA/CRA Ops) (BPAAAEAI), Alternative / Non-Traditional Credit Data Providers (FSAKAKAB)

Keywords

• Enterprise credit reporting
• Credit rating services
• Credit risk assessment
• Supply chain finance
• Social credit systems

Headquarters

HQ city

Beijing

HQ country

China

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. 企业征信服务: 提供企业征信报告、财务风险分析报告、尽职调查报告、重大事项监控预警等征信产品和服务。
2. 信用评价服务: 提供企业集团评级、借款企业评级、小微企业评级、融资性担保公司评级、小额贷款公司评级、招投标企业信誉评价等服务。
3. 社会信用体系建设服务: 提供信用体系建设咨询、信用信息应用服务、守信践诺失信修复等全方位信用体系建设方案与实施服务。
4. 供应链金融解决方案: 提供专业化、定制化供应链信用管理及金融解决方案、融资业务及风控管理系统开发。
5. 信用管理培训: 帮助客户建立和完善内部信用体系建设，包括信用管理组织架构建立、配套制度完善、信用管理流程设置、岗位设置、信用评级授信规则等培训服务。

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

联合信用征信股份有限公司 is a China-based credit information services firm that provides enterprise credit investigation reports, credit rating services, supply chain finance solutions, and social credit system construction services. It operates a nationwide branch network covering all Chinese provinces (except Tibet), holds a People's Bank of China enterprise credit investigation license, and combines big data analytics with traditional credit investigation techniques to serve enterprises, financial institutions, and government bodies.

Product overview

联合信用征信股份有限公司 offers a multi-segment product and service portfolio centered on enterprise credit investigation and credit evaluation. The core offerings include enterprise credit investigation services (企业征信服务) delivering credit investigation reports, due diligence reports, financial risk analysis reports, and major event monitoring and early warning alerts; a social credit system construction segment (社会信用体系建设) providing credit system consulting, credit information application, and dishonesty repair services; and a credit evaluation segment (信用评价) covering enterprise group ratings, borrowing enterprise ratings, small micro enterprise ratings, financing guarantee company ratings, and bidding enterprise reputation evaluation. These are complemented by supply chain finance solutions (供应链金融) and four solution offerings: credit model design (授信模型设计), industry analysis services (行业分析服务), system customization development (系统定制开发), and credit management training (信用管理培训). The company also operates supporting tools including the enterprise big data credit platform '信用管家' and a wealth management product risk evaluation service. Together, these products form an integrated credit information service ecosystem covering the full lifecycle from data collection and analysis to credit evaluation and risk monitoring.

Differentiator

Problem solved

Functional benefit

Brands

• 信用管家: 企业大数据征信平台，用于客户信息收集、录入和管理，实现多维度客户统计分析功能

Products and services

• Enterprise Credit Report (企业征信报告) Comprehensive enterprise credit information reports based on proprietary data and external sources (government platforms, internet, institutional data), covering basic information, value chain, key personnel, operations, financial analysis, and public records across six modules. Used by enterprises and financial institutions to assess counterparty credit risk.
• Due Diligence Investigation Report (尽职调查报告) Reviews enterprise and shareholder registration, executive backgrounds, financial information, and administrative/judicial records to help clients identify and avoid compliance risks in cooperative partnerships.
• Major Event Monitoring and Early Warning (重大事项监控预警) Real-time tracking, monitoring, and email alerts for target enterprises' business registration, judicial, and tax information by monitoring authoritative websites including the enterprise credit information publicity system, judgment documents network, and enforcement information network.
• Financial Risk Analysis Report (财务风险分析报告) Evaluates enterprise financial health and identifies risk factors to support credit decisions and risk management, used by banks and financial institutions for credit risk assessment.
• Credit Rating Services (信用评价) Provides comprehensive credit risk evaluation for enterprise entities or debt instruments, covering enterprise group ratings, borrowing enterprise ratings, small/micro enterprise ratings, financing guarantee company ratings, small loan company ratings, and bidding enterprise reputation evaluation.
• Supply Chain Finance Solutions (供应链金融) Provides professional, customized supply chain credit management and financial solutions, financing services, and risk control management system development, addressing financing difficulties for SMEs and enhancing industrial ecosystem competitiveness.
• Social Credit System Construction Services (社会信用体系建设) Provides comprehensive social credit system construction solutions and implementation services for government agencies and industry regulators, including credit system consulting, credit information application services, and honest performance and dishonesty repair services.
• Credit Model Design (授信模型设计) Calculates credit limits for upstream and downstream clients by considering industry risk characteristics, regional economic levels, capital scale, debt structure, credit grades, and other factors, helping clients control credit risk while supporting business development.
• Industry Analysis Services (行业分析服务) Provides in-depth analysis of industry economics, operations, production, sales, technology, competitiveness, market structure, and policies using economics, statistics, and econometric tools, developing industry prosperity measurement models and customized industry research reports.
• Custom System Development (系统定制开发) Develops custom credit information platforms and rating credit systems for clients, enabling online collection of external data and manual input of transaction and financial information, with multi-dimensional customer statistics and analysis capabilities.
• Credit Management Training (信用管理培训) Helps clients establish and improve internal credit management systems, covering credit management organizational structure, supporting systems, credit management processes, position settings, credit rating rules, and upstream/downstream credit management training services.
• Credit Housekeeper Platform (信用管家) Enterprise big data credit platform launched in July 2017, enabling online collection of external public data and manual input of transaction and financial information, providing multi-dimensional customer statistics and analysis functions.
• Wealth Management Product Risk Evaluation (理财产品风险评价) Provides risk evaluation services for wealth management products, supporting investment decisions and risk management for financial product distributors and investors. Official app development launched in August 2019.

Quantifiable outcome

• 覆盖全国所有省份（西藏除外）的30多家分支机构
• +1 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• 徐州市发改委、徐州高新区coreStrategic or Co-development Partner · 20 March 2026联合征信与徐州市发改委、徐州高新区举办征信赋能招商洽谈会，就征信赋能招商引资等事项展开合作探讨，共同推动地方信用体系建设和服务实体经济发展。
• 天津市大数据协会coreStrategic or Co-development Partner · 2 April 2024联合征信与天津市大数据协会达成战略合作，共同推进大数据在信用领域的应用，促进信用信息共享和信用服务创新。
• 重庆公信达信用管理有限公司coreStrategic or Co-development Partner · 1 December 2023联合信用评价有限公司子公司——重庆公信达信用管理有限公司高度参与2022年重庆市融资担保公司监管评级工作，负责对其中50家融资担保公司进行了现场尽调和评级分析。
• 上海金融业联合会minorGTM or Marketing Partner · 25 July 2023上海金融业联合会与广西钦州市签订战略合作框架协议，联合征信作为受邀单位之一出席业务洽谈座谈会和调研活动，参与金融服务支持地方经济发展。
• 中国轻工企业投资发展协会、中国轻工业信息中心minorGTM or Marketing Partner · 10 August 2022联合征信受邀参加轻工产业供应链金融发展论坛，其供应链金融解决方案入选优秀案例，展示在供应链金融领域的服务能力。

Scale indicators5 records

Recent moves10 records

Expansion highlights5 records

Emerging players

• 冰鉴科技: A Chinese AI-based alternative credit scoring and risk management company. Comparable in applying big data and AI to enterprise and SME credit assessment, though typically smaller and more technology-focused.
• 信用算力: A Chinese credit information technology company providing credit scoring, data analytics, and credit risk management services. Comparable in targeting financial institution customers with credit data and modeling capabilities.
• 百融金服: A Chinese credit technology and risk management services company providing data-driven credit decisioning, anti-fraud, and credit analytics. Comparable in serving financial institutions with credit data and modeling, though more fintech-focused.
• 同盾科技: A Chinese AI-driven risk management and decisioning platform serving financial institutions and internet companies. Overlaps with 联合征信 in credit risk analytics and big data applications for financial institution clients.

Direct peers

• 华道征信: A PBOC-licensed enterprise credit reporting agency in China with similar scope of enterprise credit investigation, credit evaluation, and risk management services. Directly comparable in regulatory status and business model.
• 考拉征信: A PBOC-licensed personal credit reporting agency (predecessor of 朴道征信) with historical overlap in enterprise credit reporting. Comparable in business scope and regulatory framework.
• 中诚信征信: Affiliated with 联合信用's peer group 中国诚信信用管理, 中诚信征信 is a licensed enterprise credit reporting and credit management company with similar scope across credit reporting, ratings, and credit system construction.
• 鹏元征信: One of China's licensed enterprise credit reporting agencies with PBOC filing, similar mid-tier scale, and nationwide service coverage. Closest comparable in terms of regulatory status, business segments, and customer base.

Broad incumbents

• 前海征信: Ping An Group's credit information subsidiary, one of China's first batch PBOC-licensed personal credit reporting agencies. Provides individual credit scoring and increasingly enterprise credit data services through Ping An's ecosystem.
• 芝麻信用: Ant Group's credit scoring and credit information subsidiary, part of the broader Ant Group/Alibaba ecosystem. Operates at much larger scale with consumer credit scoring focus but extends into enterprise and supply chain finance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/%E8%81%94%E5%90%88%E4%BF%A1%E7%94%A8%E5%BE%81%E4%BF%A1%E8%82%A1%E4%BB%BD%E6%9C%89%E9%99%90%E5%85%AC%E5%8F%B8

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 联合信用征信股份有限公司