非金融信息采集应用与金融发展水平关系问题研究——以新疆为例  

Exchange Rate: Research on the relationship between the application of non-financial information collection and the level of financial development——Take Xinjiang as an example

作　　者：侯兆辉 王波[2] 董莉[2] Hou Zhaohui;Wang Bo;Dong Li(Urumqi central sub branch of the people's Bank of China;Bozhou center sub branch of the people's Bank of China)

机构地区：[1]中国人民银行乌鲁木齐中心支行 [2]中国人民银行博州中心支行

出　　处：《金融发展评论》2020年第7期60-67,共8页Financial Development Review

摘　　要：本文以新疆地区为例,剖析金融信用信息基础数据库非金融信息采集和应用状况,通过OLS回归可以看出,新疆非金融信息的采集对新疆贷款余额和新疆消费贷款余额带来积极影响,探讨当前非金融信息采集应用中的问题,提出增强信息采集制度约束力、规避信息报送法律风险、加强信息质量管理、强化企业非金融信息的应用等建议。Taking Xinjiang as an example,this paper analyzes the collection and application of non-financial information in the basic database of financial credit information.Through OLS regression,it can be seen that the collection of non-financial information in Xinjiang has a positive impact on the balance of loans and consumption loans in Xinjiang.This paper discusses the problems in the current collection and application of non-financial information,and proposes to strengthen the binding force of information collection system and avoid the credit Some suggestions are put forward,such as the legal risk of interest submission,strengthening the management of information quality,and strengthening the application of non-financial information of enterprises.

关 键 词：数据库 非金融信息 采集 应用 

分 类 号：F832.7[经济管理—金融学]