Notwithstanding the data quality and completeness issues, the lending institution should start using these information into their decision making process as unless the institutions use the data/information from the CICs in their decision making process and for pricing of their loan products, the completeness of information cannot be expected to improve.
The financial industry can make great contributions in that process, which I believe, is also the direction and objective of the financial supply-side structural reform. We are convinced that under the strong leadership of CPC Central Committee with President Xi Jinping as its core, the Chinese people will achieve the two centenary goals with great success!