基于我国实践的征信业发展路径研究  

The Research on the Development of the Credit Reporting Industry Based on China's Practice

作　　者：章红[1] 郝嵘[1] 肖瑞婷[1] 

机构地区：[1]中国人民银行西安分行,陕西西安710075

出　　处：《西部金融》2015年第3期41-44,共4页West China Finance

摘　　要：征信在揭示信用风险、解决信息不对称和培育信用意识等方面发挥着重要的作用。本文在分析征信业发展必要性和重要性的基础上,立足我国实际,从五个方面对征信业未来发展方向、原则和路径进行设计,以期对指导、规范征信活动,促进征信市场健康发展提供参考。The credit reporting plays an important role in revealing credit risks, solving the problems of asymmetric information and fostering the credit consciousness. Based on the analysis on the necessity and importance of developing the credit reporting, combined with China＇s reality, the paper designs the direction, principle and path of the future development of the credit reporting from five aspects with the purpose of guiding and standardizing the credit reporting activities and providing the reference for promoting the healthy development of the credit reporting market in China.

关 键 词：征信业 框架设计 

分 类 号：F830.31[经济管理—金融学]