全球视野下征信行业发展模式比较及启示
发布时间：2018-09-07 14:11
【摘要】：征信是为金融信贷提供信息中介服务的朝阳行业。文章梳理了国际征信行业发展模式,比较了各国征信发展模式及其优缺点,指出中国征信行业发展既要审慎,以保护金融数据安全为出发点,同时也需要加强制度建设,为市场化征信机构发展创造良好的外部条件。文章认为,从我国经济和社会发展实际出发,我国征信短期最优发展模式必须以公营为主;长期中,企业征信以市场化发展模式为主,个人征信以公营和私营等多种模式并存为主。
[Abstract]:Credit information is a sunrise industry that provides information intermediary services for financial credit. This paper combs the development mode of international credit industry, compares the development model of credit reporting in various countries and its advantages and disadvantages, points out that the development of China's credit reporting industry should be prudent, take the protection of financial data security as the starting point, and at the same time strengthen the construction of the system. For the development of market-oriented credit institutions to create good external conditions. The article holds that, from the reality of our country's economic and social development, the short-term optimal development mode of credit reporting in China must be public oriented, and in the long run, the market-oriented development mode is the main mode of enterprise credit reporting. Personal credit to the public and private coexistence of a variety of models.
【作者单位】： 中国人民银行征信中心;中国人民银行金融研究所;
【基金】：国家社科基金项目“金融开放条件下中央银行货币量调节机制研究”(项目编号:10CJY077);国家社科基金重大项目“稳增长、调结构、防通胀三重目标下我国货币政策优化与预期管理研究”(项目编号:11&11ZD011)
【分类号】：F832.4
本文编号：2228490
[Abstract]:Credit information is a sunrise industry that provides information intermediary services for financial credit. This paper combs the development mode of international credit industry, compares the development model of credit reporting in various countries and its advantages and disadvantages, points out that the development of China's credit reporting industry should be prudent, take the protection of financial data security as the starting point, and at the same time strengthen the construction of the system. For the development of market-oriented credit institutions to create good external conditions. The article holds that, from the reality of our country's economic and social development, the short-term optimal development mode of credit reporting in China must be public oriented, and in the long run, the market-oriented development mode is the main mode of enterprise credit reporting. Personal credit to the public and private coexistence of a variety of models.
【作者单位】： 中国人民银行征信中心;中国人民银行金融研究所;
【基金】：国家社科基金项目“金融开放条件下中央银行货币量调节机制研究”(项目编号:10CJY077);国家社科基金重大项目“稳增长、调结构、防通胀三重目标下我国货币政策优化与预期管理研究”(项目编号:11&11ZD011)
【分类号】：F832.4
【共引文献】
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