个人信用信息异议处理问题及解决途径探讨  

Difficulties in Dispute Settlement of Personal Credit Information and Its Resolution

作　　者：金剑[1] 陈霞[1] 康振勇[1] 

机构地区：[1]中国人民银行渭南市中心支行,陕西渭南714000

出　　处：《西部金融》2012年第3期85-87,共3页West China Finance

摘　　要：本文结合征信工作实际,从个人信用信息异议的归类、特点及成因分析入手,提出个人信用信息异议处理过程中存在的问题,并且从六个方面给出了解决途径:优化流程,提高效率,缩短周期,做好异议处理;强化业务管理,降低第三方结算业务风险;依托人民银行金融消费者权益保护中心,积极稳妥开展异议主体权益保护工作;强化制度规范,推动异议处理监督管理;规范个人信用报告应用和解读;加大征信业务培训和征信知识宣传力度。On the context of current credit collection work, this paper discusses the problems existed in the dispute settlement of personal credit information from the aspect of dispute category, features and causes, and puts forward solutions in six manners, namely improving settlement process and efficiency, strengthening practice management to mitigate the third party settlement risk, launching consumer protection, advancing regulation on settlement, publicizing personal credit report, and push forward credit collection training and education.

关 键 词：个人信用:信息异议处理 

分 类 号：F830.31[经济管理—金融学]