试论典当行业的信用管理及其征信模式  

A Humble Opinion about Credit Management and Credit Reference Model for Pawn Industry

作　　者：孔令学[1] 黄娟[2] 

机构地区：[1]北京联合大学,北京100101 [2]山东财经大学,山东济南250014

出　　处：《征信》2013年第8期26-29,共4页Credit Reference

基　　金：北京市哲学社会科学规划项目(12FXB010)

摘　　要：典当行是古老而又兼具现代性和中国特色的特殊企业法人,是服务中小企业和小微经济主体的重要融资机构。改革开放后我国典当行业开始恢复设立,并经历了规范和快速发展阶段。随着典当行业的快速发展,整个行业存在的结构不够合理,发展小、弱、散、乱,信用约束不强等现实问题日益突出,并成为制约行业持续健康发展的重要因素。建议以信用管理为突破口,以征信管理促信用管理,以信用管理促机制创新,以机制创新促行业发展,进而解决我国典当行业发展中存在的体制、机制问题。The pawn -shops are not only ancient professions but also special corporate entities with modernity and Chinese characteristics, and important financing institutions serving small and medium -sized enterprises and micro economic entities. After reform and opening up to the outside, the pawn industry began to recover, and underwent normalized and quichened developmental stages. With the rapid development of the pawn industry, there have been practical problems increasingly prominent such as unreasonable structure of the entire industry, with its development of small - sized, weak, scattered, chaotic features, which have become an important factor constraining the sustain- able and healthy development of the industry. It＇ s recommended that credit management can be taken as a break- through to promote credit management by credit reference management, and that mechanism innovation may be stirred by credit management, hence development of the industry can be promoted by innovation, so as to solve the existing regime and mechanism problems in the development of pawn industry.

关 键 词：典当行 信用管理 征信系统 征信模式 

分 类 号：F830.39[经济管理—金融学]