The system is  6  an important step towards the digitalisation of payment services, enabling instant payments 24 hours a day, seven days a week, 365 days a year.
Credit records were created for 13 million enterprises and nearly 600 million natural persons, including information of their borrowing activities and law-compliance in environmental protection etc, facilitating their economic and financial activities and promoting economic and social harmony. Banking financial institutions have included inquiry into the credit information system as an indispensable step in pre-lending examination.