加快我国个人征信业发展的思考  

Some Thoughts about Accelerating the Development of China's Individual Credit-rating Sector

作　　者：熊其康[1] 

机构地区：[1]中国人民银行南京分行,江苏南京210002

出　　处：《金融理论与实践》2004年第12期22-24,共3页Financial Theory and Practice

摘　　要：在西方,个人银行业务是商业银行最主要的利润来源。而我国目前个人银行业务的发展正面临着“信用缺失的瓶颈”制约,个人征信制度的建立是其发展的突破口。但我国目前发展个人征信业却受到信用法规不完善、市场化运作机制不健全和统一的个人信用评估体系未建立等因素的制约。个人征信业的发展必须从加速征信立法、建立管理机构和完善运作机制等方面着手。In western countries, individual banking operation constitutes the main source of profit for commercial banks. In contrast, our individual banking operation is confronted with the restraints from the bottleneck of insufficient credit. It is generally noted that the breakthrough of developing our individual banking operation lies in the establishment of individual credit-rating system. However, at present, our individual credit-rating sector is heavily restricted to many factors such as the incomplete regulations and rules in credit, the imperfect market-operating mechanism, and no individual credit-rating system. According to the author, in promoting the development of individual credit-rating sector, we must accelerate the legislation of credit-rating, establish the relevant administrative set-ups, and improve the operating mechanism.

关 键 词：个人银行业务 征信 征信管理局 信息不对称 

分 类 号：F832.31[经济管理—金融学]