中征(北京)征信有限责任公司

What 中征(北京)征信有限责任公司 does

中征(北京)征信有限责任公司 (Zhongzheng (Beijing) Credit Information Co., Ltd.) is a wholly state-owned credit information service provider incorporated in April 2009 as a subsidiary of the People's Bank of China Credit Reference Center (中国人民银行征信中心). The company operates from a headquarters in Beijing with branch offices in Shanghai and Tianjin, and functions as one of the operative vehicles through which PBOC extends its national credit information infrastructure to licensed non-bank financial institutions that lack direct central bank membership.

The company's product portfolio comprises three principal offerings. Institutional Access Services (机构接入服务) provide authorized financial institutions with interfaces to PBOC's central credit reference database. The Credit Cloud Platform (征信云平台) is a cloud-based delivery channel for credit data services. The National SME Cash Flow Credit Information Sharing Platform (全国中小微企业资金流信用信息共享平台) is a sector-specific platform targeting credit underwriting for small and medium-sized enterprises through transactional cash flow data. The underlying technology stack is described as encompassing big data analytics, blockchain, cloud computing, and distributed database architectures, though no proprietary AI/ML models or research output are documented.

The business model is B2B service delivery to a defined regulatory segment: small loan companies (小额贷款公司), financing guarantee companies (融资担保公司), and village/town banks (村镇银行). Revenue is generated via service fees for institutional access and platform usage, although pricing specifics, contract terms, and financial figures are not publicly disclosed. The entity has no external shareholders and operates under the direct regulatory framework of PBOC, which structurally constrains its commercial independence and ties its growth to parent-level policy direction rather than market-driven expansion.

Name

中征(北京)征信有限责任公司

Legal name

中征(北京)征信有限责任公司

Website

https://sino-cr.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

State-owned subsidiary of the People's Bank of China Credit Reference Center, founded in April 2009 and based in Beijing. Provides institutional credit access services, a credit cloud platform, and an SME cash flow credit sharing platform to small loan companies, financing guarantee firms, and village banks across China.

Ownership category

akta.pro rank

Product category

Credit Reporting and Financial Data Services

NAICS

Credit Bureaus (561450), Credit Bureaus (56145), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

Keywords

• Credit reporting services
• Financial credit database
• Institutional access services
• Data quality management
• SME credit sharing

Headquarters

HQ city

Beijing

HQ country

China

HQ region

Asia

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations

Revenue model

1. Institutional Access Services: Full-process access services and subsequent data quality management services for financial institutions connecting to the credit reporting system, including technical guidance, interface acceptance, and ongoing quality monitoring.

Go-to-market motion3 records

Distribution channels2 records

Marketing channels3 records

Core offering

The company provides institutional access services and data quality management to financial institutions connecting to China's national financial credit information basic database. It operates the Credit Cloud Platform enabling small loan companies, financing guarantee companies, and village banks to access the credit reporting system in compliance with PBOC regulations. The company also provides business support services for the National SME Cash Flow Credit Information Sharing Platform, including institutional onboarding, data governance, and promotional training.

Product overview

中征（北京）征信有限责任公司 operates as a subsidiary of the People's Bank of China Credit Reporting Center, offering credit information services centered around the financial credit information basic database. The company provides three core products: (1) 机构接入及后续数据质量管理 service offering full-process access and data quality management for financial institutions, (2) 征信云平台 enabling small loan companies, financing guarantee companies, and village banks to access the credit system via a cloud platform, and (3) 全国中小微企业资金流信用信息共享平台 supporting the national SME cash flow credit information sharing initiative. Services are delivered through financial city domain dedicated networks and the internet, supported by core technical capabilities in big data analytics, blockchain, cloud computing, and distributed databases.

Differentiator

Problem solved

Functional benefit

Brands

• 征信云平台: 按照《中国人民银行办公厅关于小额贷款公司和融资性担保公司接入金融信用信息基础数据库有关事宜的通知》，为具备接入条件的小额贷款公司、融资性担保公司、村镇银行等机构提供接入服务。
• 全国中小微企业资金流信用信息共享平台

Products and services

• 机构接入及后续数据质量管理 (Institutional Access and Subsequent Data Quality Management) Full-process access services for financial institutions connecting to the credit reporting system, including access technical guidance, interface acceptance, switching rehearsal technical guidance, and go-live implementation support. Subsequent data quality management covers monitoring of data reporting status and abnormal data verification after onboarding.
• 征信云平台 (Credit Cloud Platform) Cloud-based platform that enables small loan companies, financing guarantee companies, and village banks to access the national financial credit information basic database in compliance with PBOC regulations. Delivered over financial city domain private network and internet channels, providing regulatory-compliant access for small and micro financial institutions.
• 全国中小微企业资金流信用信息共享平台 (National SME Cash Flow Credit Information Sharing Platform) Business support services for the national platform that aggregates SME cash flow credit information. Support covers institutional access, data governance, and promotional training for financial institutions participating in the platform.

Quantifiable outcome

• Service teams with deep industry experience spanning over a decade with consistently recognized professional expertise

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered flagship, core and minor.

• 中国人民银行 (People's Bank of China)flagshipOthersThe company is a wholly-owned subsidiary of the People's Bank of China Credit Reference Center, established to provide business support and fintech innovation services for China's social credit system construction. The company operates under the regulatory oversight and strategic direction of the PBOC.
• 中国人民银行征信中心 (PBOC Credit Reference Center)coreOthersAs the parent company, the PBOC Credit Reference Center oversees the company's operations. The company provides business support, technical R&D testing, system maintenance around the financial credit information basic database, and supports key tasks including cash flow sharing platform construction and value-added product development.
• 上海资信有限公司 (Shanghai Credit Information Co., Ltd.)minorStrategic or Co-development PartnerListed as a friendly link partner on the company website, indicating cooperative relationship within the PBOC credit information ecosystem.
• 中征(天津)动产融资登记服务有限责任公司 (Zhongzheng (Tianjin) Movable Property Financing Registration Service Co., Ltd.)minorStrategic or Co-development PartnerListed as a friendly link partner on the company website. Both companies are under the Zhongzheng brand, with the Tianjin company specializing in movable property financing registration services.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• 华道征信 (Huadao Credit): Among the first batch of licensed personal credit reporting agencies in China. Comparable as a peer credit bureau in the PBOC-licensed ecosystem, providing consumer credit reports and analytics to financial institutions.
• 鹏元征信 (Pengyuan Credit): One of the early-licensed personal credit reporting agencies in China providing credit reports, scoring, and risk management services. Comparable as a smaller-scale credit bureau serving financial institutions with credit information products, though with a more commercial orientation than the subject company.
• 金电联行 (Beijing Orient Zhonghui / JD Power Data): Chinese credit information and big-data risk analytics company serving financial institutions. Comparable as an alternative-data credit analytics provider, though focused on commercial big-data scoring rather than PBOC database access services.
• 考拉征信 (Koala Credit / Credithk): Licensed personal credit reporting agency backed by financial institutions. Comparable as a licensed Chinese credit bureau serving the consumer and SME credit information market, though at smaller scale than the major incumbents.

Broad incumbents

• 芝麻信用 (Zhima Credit / Sesame Credit): Ant Group's consumer credit scoring service, one of the first independently operated credit reporting agencies in China. Comparable as a major Chinese credit bureau serving the consumer and SME credit ecosystem, though with a much broader commercial footprint and alternative data approach.
• 前海征信 (Qianhai Credit / Ping An Credit): Ping An Group's credit reporting and risk management subsidiary. Comparable as a major institutional credit bureau in China serving financial institutions with credit data and risk analytics, though backed by a financial conglomerate rather than PBOC.
• 腾讯征信 (Tencent Credit): Tencent's licensed personal credit reporting agency with access to massive social, payment, and behavioral data. Comparable as a peer institutional credit bureau operating under PBOC's licensing framework, though at vastly larger scale and with a tech-platform data advantage.

Direct peers

• 百行征信 (Baihang Credit): China's first licensed personal credit reporting agency, jointly established by the PBOC-backed China Internet Finance Association and eight major fintech/credit institutions. Directly comparable as another China-based credit bureau operating within PBOC's regulatory framework but focused on internet-based personal credit data.
• 上海资信有限公司 (Shanghai Credit Information Co., Ltd.): Listed as a friendly link partner on the company's website and operates within the PBOC credit information ecosystem. Comparable as a regional credit reporting entity affiliated with the central credit reporting infrastructure, serving institutional customers in Shanghai.
• 中征（天津）动产融资登记服务有限责任公司 (Zhongzheng Tianjin Movable Property Financing Registration): Sister company under the Zhongzheng brand, providing movable property financing registration services. Comparable as a sibling PBOC-affiliated entity providing fintech support services to the credit and financing infrastructure ecosystem in China.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/%E4%B8%AD%E5%BE%81-%E5%8C%97%E4%BA%AC-%E5%BE%81%E4%BF%A1%E6%9C%89%E9%99%90%E8%B4%A3%E4%BB%BB%E5%85%AC%E5%8F%B8

Revenue estimate

Valuation estimate

Number of profiles

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 中征(北京)征信有限责任公司