• Regulatory Requirement

    In recent years, with the role of credit information in market economy become more and more important, the social attention to credit has been rising and the demand of the credit information and its application range are extending continuously. As the events that lawbreakers steal data illegally from credit reporting system occur frequently, the safety management of credit reporting system is with severe challenges.

    In order to do a good job for security work of credit reporting information in the new era, prevent systemic financial risks and maintain financial stability, the People's Bank of China, in November 2016, issued Notice on Strengthening Credit Reporting Compliance Management Work Required by PBOC and required banking financial institutions to establish a perfect credit inquiry front-end system to implement unified management of inquiry users.

  • Solution

    In response to this regulatory requirement by PBOC, RIKING has launched the credit inquiry front-end system solution (CIFS), which can seamlessly connect with PBOC's credit system and maintain the technical unification with PBOC's credit system.

    This system is based on credit reporting system. It can be connected with PBOC's credit system through direct connection port or simulated landing method. By use of platform switching, the switching landing on credit inquiry user interface can be implemented, which can perfect the credit reporting system users and data security management and reduce such credit information security risk events as illegal inquiry of credit information, illegal providing or selling credit information, information disclosure, etc., providing an internal security solution for the agencies that access to PBOC's credit system.

Functions & Feathers
  • Support Credit Inquiry for Enterprise and Individual

    Support the credit inquiry for enterprise and individual. According to the business volume in the inquiry procedure, this system can support single inquiry and batch inquiry.

  • Strict Inquiry Review Mechanism

    This system has perfect permission management system. The inquiry applicants submit inquiry application first, then the auditor for inquiry can review the application. There are strict inquiry permission control and review mechanism, strictly controlling the inquiry of credit report.

  • Standardized Business Inquiry Process

    The standardized credit inquiry process is adopted to make the bank credit inquiry process more standardized in different time nodes in the whole process so that the safety management, timely monitoring and early warning, monitoring and statistics and trace afterwards in the whole process can all be realized.

  • Strict Information Protection Mechanism

    This system strictly controls the corresponding information display according to the user's role; data encryption is used to encrypt sensitive data in this system; advanced technical means are used to prevent credit reports, including paper credit reports, from revealing.

  • Timely Abnormal Inquiry Warning

    Timely early warning mechanism for abnormal inquiry can offer corresponding measures to help credit inquiry institutions to deal with abnormal inquiry.

  • Business Optimization

    Through the unified management of software, the operating cost and maintenance cost can be greatly reduced. The automatic processing process can replace the manual processing process, to improve users' work efficiency and guarantee the accuracy and standardization of data and reduce the error rate at the same time.

    Meanwhile, we can help you optimize the regulatory reporting business process and update the system in accordance with the latest regulations issued by relevant regulatory authorities.