基于商业银行需求的征信系统信息问题研究  

Study on the Information of Credit Reference System Based on the Demand of Commercial Banks

作　　者：赵宇翔[1] 

机构地区：[1]中国人民银行济南分行,山东济南250021

出　　处：《征信》2012年第1期29-33,共5页Credit Reference

摘　　要：从信息需求及获取成本角度出发,建立征信系统信息模型,并利用山东省35家商业银行有关数据进行实证。结果表明,银行间信息是商业银行首先需要的信息,这些信息及其数据质量对征信系统的重要程度较高。商业银行来自银行外部的信息虽有需求但并不强烈。就银行间信息而言,需求比成本的重要程度高;就来自银行外部的信息而言,则相反。商业银行对不同种类外部信息的需求存在差异但不大。From the perspective of information demand an（1 acqmsltlon cost, a cLvu ： model is set up, and an empirical test is made by using relevant data from 35 commercial banks in Shandong province. The results show that, interbank information is that commercial banks need in the first place, and that the information and the quality of data are of greater significance to credit reference system. Commercial banks＇ demand for external information, which is but not strong. As for inter - bank information, demand is of greater significance than cost; as for the external information, the case is on the contrary. Commercial banks＇ demand for types of external information is different, but the difference is little.

关 键 词：商业银行 信息需求 征信系统 获取成本 

分 类 号：F832.4[经济管理—金融学]