How to construct a system of credit bureau in Russia?

Each bank chooses a credit bureau, which will cooperate. Such organizations in Russia are many, but bankers often make their choice in favor of the largest. The Bank enters into a contract with the bureau. And what he gets from this? Suppose Sergei goes to the bank for a loan. The first thing bankers paid under request from the Bureau of the borrower's credit history. If everything is normal, then the issue of a loan to Sergey approve. But now the turn of office "profit" from the bank. Bankers with the consent of Sergei should convey information about him and his new loan in the office. A bureau, in turn, new data are processed and someone will resell. Here's a business. Data Bank Employees credit bureaus are required to collect, process, analyze, synthesize and store all data relating to the credit history of clients. In the credit bureau information comes not only from creditors, but also from the tax authorities, the State Registration Chamber. Russians can get your credit history, giving the bureau a special request. However, for this you need to know in what office do you store your history.