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Công ty Cổ phần Thông tin tín dụng Việt Nam (PCB) – Vietnam Credit Information Joint Stock Company
Business registration no. 0103020928 dated November 27th, 2007 by Hanoi Department of Planning and Investment
Enterprise Code: 0102547296
– With the active support of International Finance Corporation (IFC), on November 27th, 2007, Vietnam Credit Information JSC (formerly known as PCB Investment Company) was established by 11 leading commercial banks in Vietnam with the goal of becoming the first private credit information center in Vietnam with international standards. After nearly two years of negotiations and selection, CRIF Group officially became PCB’s strategic partner and transferred its entire technical system and business expertise.
– Business sector: Credit information activities
– Vision: Becoming a credit information center with international standards in Vietnam
– Mission: Maximize the benefits for all stakeholders in the retail market in Vietnam (SMEs, individual customers, financial institutions, insurance companies, etc.).
– Business philosophy: Mutual benefits for all parties
– Business goals:
| Sharing information between financial institutions | Supporting financial institutions | Supporting individuals and SMEs |
| Prevent and mitigate credit risk | Expand and develop consumer credut activities | Provide access to financing opportunities for individuals and SMEs |
| Contribute to ensuring the safety operations of financial institutions | Support retail market | Support the development of SMEs |
| Promote socio-economic development | ||
| Access to shared customer information between fiancial institutions |
Sharing information, enhancing values
PCB is proud to be selected by organizations as the key data source for the centralized approval and risk management systems. In the future, PCB will actively reach out to organizations that have not yet participated to expand data coverage, improve service quality, and provide valuable information to all parties
HISTORY OF DEVELOPEMENT
In the banking sector, financial institutions face numerous challenges in managing credit risk due to the increasing rate of bad debts, driven by the cascading effects of the economy. This creates significant pressure on credit operations and requires greater caution in credit issuance, while ensuring a balanced and consistent approach between risk management and business growth. Another key trend in the industry is the rise of smart digital financial services, which enhance convenience and efficiency in financial transactions, while fostering competition and driving the trend towards automation in financial and credit activities.
To support the operations of credit institutions at each stage, in November 2007, PCB Investment Joint Stock Company was officially established. The company operates under the strict management policies of the State Bank of Vietnam (SBV). In May 2011, the company changed its name to Vietnam Credit Information Joint Stock Company.
To fulfill its mission and vision, from early years, PCB has sought reputable and advanced technology solution providers in the credit information market. CRIF S.p.A Group became a strategic partner and a shareholder of PCB. After many years of establishment, PCB’s position has been increasingly affirmed through the participation of numerous financial institutions with significant data, especially personal data.
Currently, PCB operates in compliance with the regulations on credit information services provision under Decree 58 and always ensures to meet security standards and data usage requirements as stipulated in Decree 13. PCB continuously strives to improve its infrastructure to ensure data safety. In the future, as the number of customers grows and the demand for credit access by individuals and organizations increases, PCB will provide valuable information to Participating Organizations with a wide range of solutions, high accuracy, and comprehensive data. Through useful products and services, PCB is confident in securing information transparency for both organizations and individuals, thereby reducing risks in credit operations.
SHAREHOLDERS
Established in 1988 in Bologna (Italy), CRIF is the leading global company in the field of credit information provision, consulting, and implementing innovative and sustainable solutions. With a mission to create value for consumers and businesses, CRIF continuously develops advanced technology solutions alongside reliable sources of information.
Currently, CRIF is a pioneer in Italy in credit management and lending support solutions, and it operates in 37 countries worldwide. CRIF runs 29 credit information centers with 89 subsidiaries across four continents: Europe, America, Africa, and Asia. As a result, CRIF has become one of the leading global players in business and trade information, as well as credit management services. It offers key products such as: Lending solutions (LOS, strategic management, debt recovery), scoring models, and credit operations consulting.
With over 30 years of experience, expertise, and a leading position in the financial banking sector, CRIF has become a strategic partner of PCB since 2010 and is committed to supporting PCB in its journey.