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Reliable credit rating is the core of consumer credit business. Huaxia Credit provides credit rating on consumers with unique rating criteria that are results of combining overseas know-how with domestic situations and are results of successful adaptations to various industries.
Our credit rating is used in many consumer credit-related industries: for banks issuing credit cards or lending student loans, auto loans, housing loans, consumable goods loans, home improvement loans, etc. for insurance companies and for telecom companies.
Services
For financial institutions
● Student loan rating
Student loan is provided by major domestic commercial banks in response
to the central government’s call to support students from poor families
to receive high education. Huaxia Credit is designated by the banks
to assist in the national student loan program. By leveraging our
experience in consumer credit rating and risk control, Huaxia Credit
has successfully established a rating system for this purpose. The
system includes all necessary procedures from application review,
approval/reject, credit line setting, database entry, monitoring,
tracking till collection.
● Auto loan rating
Auto loan business has grown rapidly in China in recent years alongside
with auto sales. Huaxia Credit has been in the new arena ever since
first auto loans were lent in China. As a credit rating agency,
Huaxia Credit checks credit information by telephone calls and on-site
visits, reviews the financial strength and credit standing of applicants
and gives our scores to banks. We also collect debts for lending
banks.
● House loan rating
House loan is an important business portfolio of consumer business
in commercial banks now. Huaxia Credit checks credit information
and income information by telephone calls and on-site visits and
come up with our scores for banks to base their approval/rejection
decision on.
● Consumable goods loan rating
With the improvement of people’s living standards, loans for expensive
consumer durables are increasingly accepted by the general public.
Consumable goods loans refer to the RMB loans made by the banks
for consumers’ purchase of expensive and durable consumable goods.
Being a credit-rating company for banks to make consumable goods
loans, Huaxia Credit makes examinations and assessments on borrowers’
credit standings and their desire of purchasing for banks to base
their approval/rejections decisions on.
● Home improvement loan rating
Home improvement loan is a new type of consumer loan provided by
banks in recent years. The loans are targeted for home improvement
of consumer households. Being a credit-rating company for banks
to make home improvement loans, Huaxia Credit makes examinations
and assessments on borrowers’ credit standings and their repaying
capacities for banks to base their approval/rejections decisions
on.
For insurance companies
● Credit guarantee insurance rating
Huaxia Credit also serves insurance companies by providing ratings
on applicants for credit guarantee insurance, including auto loan
credit insurance, credit card insurance, employee fidelity insurance,
etc. As an independent rating agency, Huaxia Credit provides reliable
and comprehensive rating results for insurance companies.
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