我国商业银行征信数据应用问题与对策

发布时间：2018-03-21 05:39

本文选题：征信数据　切入点：商业银行　出处：《河北大学》2012年硕士论文　论文类型：学位论文

【摘要】：欧美债务危机使信用风险再次成为全球金融市场震动的导火索，引起高度关注，由于金融危机的影响，，我国经济发展速度趋于放缓，中小企业经营发展遇到困难，为防止重蹈西方经济发展的覆辙，国务院对制订社会信用体系建设规划作了重点部署，国内各商业银行在对遇到暂时性经营困难的企业增加了信贷支持力度的同时，未雨绸缪纷纷提高对信用风险的管控力度，及时丰富管理信用风险的手段和工具。征信数据作为防范信用风险、降低贷前识别成本、提高贷后管理效能，解决中小企业融资难问题的有力工具，引起了国家金融管理部门和商业银行的充分重视。本文在对全国性征信平台建立以来，我国商业银行应用征信数据防范信用风险的经验进行总结的同时，借鉴国际征信体系发展经验，针对我国商业银行应用征信数据提高风险管理能力过程中遇到的征信数据内容、结构和采集手段与我国经济发展需求不匹配、商业银行应用征信数据领域狭窄手段单一和征信相关法律体系不健全等问题，提出了相应的对策和建议。首先通过扩展数据来源，优化征信数据结构、完善征信数据内容，提高征信数据时效性、建立网络数据自行申报平台等方式，升级完善征信数据内容、平台和结构。其次通过拓展征信数据应用领域、发展征信数据双向互动平台、开发浮动授信管理工具、建设商业银行征信相关预警工具、优化信用评分模型、发展网络授信平台等方式，提高商业银行管理信用风险和操作风险的能力和手段，最大限度的发挥商业银行促进社会经济发展的作用，在做好风险控制的基础上解决中小企业融资难的问题。最后通过规范我国隐私权的范围，建设完善覆盖征信信息采集使用全过程的法律体系，明确惩戒措施，杜绝美国征信体系中消费者付费模式所带来的不良后果。
[Abstract]:The debt crisis in Europe and the United States has once again made credit risk the trigger of the global financial market shock, which has aroused great concern. Due to the impact of the financial crisis, the economic development of our country tends to slow down, and the small and medium-sized enterprises encounter difficulties in operating and developing. In order to avoid repeating the mistakes of western economic development, the State Council has made key arrangements to formulate a plan for the construction of a social credit system. While domestic commercial banks have increased credit support for enterprises experiencing temporary operational difficulties, Plan ahead of time to improve the control of credit risk and enrich the means and tools for managing credit risk in a timely manner. Credit information is used to guard against credit risk, reduce the cost of pre-credit identification, and improve the efficiency of post-loan management. The powerful tools to solve the financing problem of small and medium-sized enterprises have attracted the full attention of the national financial management department and commercial banks. This paper sums up the experience of using credit data to prevent credit risk in commercial banks since the establishment of national credit reporting platform, and draws lessons from the development experience of international credit reporting system. In view of the mismatch between the content, structure and collection means of credit information data in the process of applying credit information data to improve the risk management ability of Chinese commercial banks, it does not match the demand of our country's economic development. This paper puts forward the corresponding countermeasures and suggestions for commercial banks to apply the narrow means in the field of credit information and the imperfect legal system of credit information. Firstly, by expanding the data sources, optimizing the data structure of credit information and perfecting the content of credit information data, the author puts forward the corresponding countermeasures and suggestions. Improve the timeliness of credit information data, establish the network data self-reporting platform, upgrade and improve the content, platform and structure of credit information data. Secondly, develop the two-way interactive platform of credit information data by expanding the application field of credit information data. Develop floating credit management tools, build commercial bank credit related warning tools, optimize credit scoring model, develop network credit platform, and improve the ability and means of commercial banks to manage credit risk and operational risk. To maximize the role of commercial banks in promoting social and economic development, to solve the problem of financing difficulties for small and medium-sized enterprises on the basis of doing a good job of risk control. Finally, by standardizing the scope of privacy rights in China, To establish and perfect the legal system covering the whole process of collecting and using credit information, to make clear the disciplinary measures, and to put an end to the adverse consequences brought by the consumer payment model in the credit information system of the United States.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4;F224

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