加快我国银行系统征信体系建设初探  

Exploration on Accelerating the Construction of Credit System of Banking System in China

作　　者：刘玲[1] 

机构地区：[1]天津商业大学经济学院,天津300134

出　　处：《现代财经（天津财经大学学报）》2009年第6期45-49,共5页Modern Finance and Economics：Journal of Tianjin University of Finance and Economics

基　　金：天津商业大学青年科研培育基金课题<我国征信服务体系建设与商业银行信用风险管理关系研究>的阶段性成果之一(项目编号:051121);2008年度天津市金融学会调研课题最终成果

摘　　要：始于美国的次贷危机,使社会各界广泛认识到了征信业务及其监管的重要性,促进征信业规范发展和加强征信监管已经迫切眉睫。基于央行为主的多层次征信体系并存的我国征信体系近些年取得了一定的发展,但面对当前的经济和金融环境,已显现出诸多缺点和不足。据此,建立统一监管部门"信监会"、加快引导和培育征信服务市场需求、征信系统向市场化和营利化运作方向转化等,已显得非常迫切和必要。：Due to the outbreak of American secondary mortgage crisis, social circles have widely accepted the im portance of credit investigation and its supervision, and it is urgent to promote the formal development of credit investigation and its supervision. The multi- level system of credit investigation based on the central bank has achieved a lot for recent years, but there has been a lot of defect and deficiency of it when faced with present economic and financial situation. According to it, it is necessary to construct a unified supervisory department, to accelerate the transformation of demand on service market of credit investigation to marketing and profiting.

关 键 词：征信系统 企业信用信息数据库 个人信用信息数据库 

分 类 号：F832.1[经济管理—金融学]