网络借贷引入第三方个人征信的必要性探讨  

Analysis on the Necessity of Introducing 3rd Party Personal Credit to On-line Lending

作　　者：陈冬宇[1,2] 李伟军[2] 彭中礼[2] 徐赟[2] 

机构地区：[1]福州大学管理学院,福建福州350108 [2]西南财经大学经济信息工程学院,四川成都611130

出　　处：《征信》2012年第1期41-44,共4页Credit Reference

基　　金：教育部人文社会科学研究青年基金项目(10YJCZH007);西南财经大学创新人才培养基金资助项目(2011YJSKT18)

摘　　要：近年来我国网络借贷行业迅速发展,但也出现了种种问题,存在诸多风险。引入第三方个人征信有助于完善借贷违约惩罚机制,降低信用风险,促进网络借贷市场的健康发展,同时也有利于征信机构丰富信息来源,建立覆盖全国的征信体系。网络借贷企业与征信机构的合作应该实现征信披露法制化、征信申请自愿化、征信合作流程化和征信数据标准化,这样才能实现行业与征信机构的双赢。A rapid development has been gained in on-line lending industry m tmma in recent years, muny - lems and risks have appeared at the same time. Introducing the third party personal credit helps to improve credit loan default punishment mechanism, to reduce credit risk, to promote a healthy development of the on - line lending market, and also is beneficial to credit reference agencies in enriching sources of information, and to the establishment of national credit reference system. It＇s necessary for cooperation between on - line lending enterprises and credit information institutions to realize credit information disclosure legalization, voluntary application for credit reference, and cooperation credit reference to be arranged for procedures and credit reference data standardization, hence win -win can be achieved for on -line lending industry and credit information institutions.

关 键 词：第三方个人征信 网络借贷 信用风险 征信体系 

分 类 号：F832.479[经济管理—金融学]