我国互联网金融征信体系建设路径思考  

The Reflection on the Path of the Construction of the Credit Reporting System of the Internet Finance in China

作　　者：陈小林[1] 杜若华[1] 刘永锋[1] 

机构地区：[1]中国人民银行兰州中心支行,甘肃兰州730000

出　　处：《西部金融》2015年第2期87-90,共4页West China Finance

摘　　要：本文在分析比较"平台征信"和"央行征信"模式优劣的基础上,指出央行征信模式是目前快速建立互联网金融征信体系的有效途径。在此基础上,从制度支撑、现实需求、有益补充和技术保障四个方面分析了将互联网金融征信纳入央行征信系统的可行性,提出要在完善互联网金融征信法律法规体系,明确互联网金融征信行业标准的前提下,推动互联网金融信用信息纳入央行征信系统,建立互联网金融征信体系的思路。Based on comparing the advantages and disadvantages between the models of ＂the platform credit reporting system＂ and ＂the central bank credit reporting system＂, the paper points out that the model of the central bank credit reporting system is an ef- fective way to quickly set up the credit reporting system of the intemet finance. On the basis of above analysis, the paper analyzes the feasibility that the credit reporting system of the internet finance is brought into the central bank credit reporting system from four as- pects such as the system support, realistic demand, beneficial supplement and technical guarantee, and puts forward the such ideas as promoting the credit information of the intemet finance be brought into the central bank credit reporting system and setting up the cred- it reporting system of the interact finance with the precondition of perfecting the laws and regulations on the credit reporting system of the intemet finance and making it clear the industry standards of the credit reporting system of the intemet finance.

关 键 词：互联网金融 征信体系 

分 类 号：F830.31[经济管理—金融学]