非恶意不良信用记录与个人征信系统建设  

Non-malicious Bad Credit Record and Personal Credit System Construction

作　　者：刘珍[1] 李霞[1] 

机构地区：[1]中国人民银行金昌市中心支行,甘肃金昌737100

出　　处：《长春金融高等专科学校学报》2009年第1期29-31,共3页Journal of Changchun Finance College

摘　　要：个人信用信息基础数据库是我国社会信用体系的重要基础设施,是在国务院领导下,由人民银行组织商业银行建立的个人信用信息共享平台。该数据库采集、整理、保存个人信用信息,为金融机构提供个人信用状况查询服务,为货币政策和金融监管提供有关信息服务。但是,个人"非恶意"造成的不良信用记录却客观地记录在个人信用报告里,并影响个人今后的信贷活动。如何避免不良记录,提高个人信用意识,完善征信系统,已成为我国社会信用体系建设的重要内容。Personal credit information basic data is an important infrastructure of social credit system. It is the person credit information sharing platform set by commercial bank governed by People＇s Bank. The database collects, arranges and preserves personal credit information and it provides financial institution with personal credit status, and monetary policy and financial supervision with related information service. But, non- malicious bad credit record will be recorded in personal credit reporting objectively and it will influence lending operation. How to avoid bad record, improve consciousness of personal credit and perfect credit system become the main task in the construction of social credit system.

关 键 词：征信 个人信用信息基础数据库 信用体系 信用记录 

分 类 号：F830.589[经济管理—金融学]