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The credit information system refers to the credit information database and related systems collecting, collating, saving and processing the credit information of enterprises and individuals scattered in various fields of society based on agreement between credit agencies and information providers, or through the Internet, government information disclosure and other channels. Credit information agencies manage and process the credit information of enterprises and individuals in the system to form credit information reports and other credit products provided to information users with legitimate needs in social and economic activities. The credit information system is mainly composed of client, communication network and server, and includes personal credit information system and enterprise credit information system.

(Source: The Specification for Information Security of Credit Information Service Agency))