全球视野下征信行业发展模式比较及启示  

The Comparison and Lessons of the Regime for the Development of the Credit Reference Industry in China

作　　者：黄余送[1,2] 

机构地区：[1]中国人民银行征信中心 [2]中国人民银行金融研究所

出　　处：《经济社会体制比较》2013年第3期57-64,共8页Comparative Economic & Social Systems

基　　金：国家社科基金项目"金融开放条件下中央银行货币量调节机制研究"(项目编号:10CJY077);国家社科基金重大项目"稳增长;调结构;防通胀三重目标下我国货币政策优化与预期管理研究"(项目编号:11&11ZD011)

摘　　要：征信是为金融信贷提供信息中介服务的朝阳行业。文章梳理了国际征信行业发展模式,比较了各国征信发展模式及其优缺点,指出中国征信行业发展既要审慎,以保护金融数据安全为出发点,同时也需要加强制度建设,为市场化征信机构发展创造良好的外部条件。文章认为,从我国经济和社会发展实际出发,我国征信短期最优发展模式必须以公营为主;长期中,企业征信以市场化发展模式为主,个人征信以公营和私营等多种模式并存为主。Credit reference is a sunrise industry that provides credit information for creditors. This paper reviews the development mode outside China, compares different path choices and development of the industry in the world, and points out that for the purpose of financial data safety, it would be very prudent for China to develop credit reference. At the same time, it is crucial for China to strengthen institution building so as to improve the atmosphere for the development of the industry. Finally, the paper concludes that at present the best regime for China to develop credit reference should be public credit registry; in the long run it should move toward a mar- ket - oriented regime, and the regime of credit reference for enterprises should be credit bureaus whereas the re- gime credit reference for individuals should be the coexistence of a public credit registry with credit bureaus.

关 键 词：征信发展 模式 启示 

分 类 号：F830.39[经济管理—金融学]