我国信用体系建设中的信用信息共享模式研究  

A Research on Information Sharing Mechanism in China's Credit System

作　　者：龙海明[1] 凤伟俊[1] 

机构地区：[1]湖南大学金融学院,湖南长沙410079

出　　处：《湖南大学学报（社会科学版）》2009年第5期57-60,共4页Journal of Hunan University(Social Sciences)

摘　　要：随着信用经济在我国的快速发展,信用交易越来越频繁,由于授信者与受信者之间存在信息不对称,从而产生道德风险与逆向选择。建立社会信用体系使信用信息实现共享可以有力地解决上述矛盾。本文在充分吸取国际上信用信息登记系统建设经验的基础上,联系我国的实际,提出了建立一个以商业银行控股的征信公司为核心,以行业协会、商会主导的行业信用信息共享为支撑的多元化信用信息共享系统,以推动我国信用体系的建设。With the evolvement of credit economy in our country, credit based trading is becoming more and more frequent. Without a clear idea about borrowers＂ character, a lender will face＂ adverse selection＂ and ＂moral hazard＂ problems in its lending activity. This problem can be solved by information sharing between lenders. In order to promote the development of credit system in our country, based on both the international experiences and the special conditions of China, we propose that we can build a credit information sharing mechanism with Credit Bureaus owned by banks at the core and be supported by industrial associations and Chambers of Commerce.

关 键 词：信用体系 信息共享 数据库 信息整合 

分 类 号：F830[经济管理—金融学]