美国征信体系模式及其启示  

US Credit Information System Model and Its Enlightenment

作　　者：毕家新[1] 

机构地区：[1]中国人民银行南宁中心支行,广西南宁530021

出　　处：《征信》2010年第2期75-77,共3页Credit Reference

摘　　要：完善的征信体系是解决我国社会主义市场经济体制建设中信用缺失问题的重要举措。许多国家和地区都建立了较为成熟的征信体系,尤以美国最为发达。总结美国征信体系的征信法律体系健全、征信监管框架完备、运作机制市场化、信用评分模型先进等经验,结合我国国情,提出我国征信体系的发展模式:坚持公共征信模式,依托完善的法律法规体系,构建完备的征信业监管框架,采用使用方付费的征信付费方式,采取适度垄断的发展方式并引入竞争机制。A perfect credit information system is an important measure for solving credit loss problems in course of constructing China＇s socialist market economic system. A more mature credit information system has been established in many countries and regions, especially, the case in the United States is the most developed. Summarizing the experience in terms of credit information system in the U. S. A. , e.g. sound credit information legal system; perfect regulatory framework for credit information ; market - oriented operation mechanism ; advanced credit scoring models, etc. combined with China＇s national conditions and development models, China＇s credit information system is put forward： persisting in the public credit information model, relying on sound credit information legal system, building a comprehensive regulatory framework for credit information business, using a way for the users of credit information paying the fee, adopting a development mode of moderate monopoly and introducing competition mechanism.

关 键 词：征信体系 征信模式 启示 

分 类 号：F833[经济管理—金融学]