征信系统应用与商业银行信用风险防控  

The Application of Credit Reporting System and the Prevention & Control of Commercial Bank Credit Risks

作　　者：阮伟卿[1,2] 李昕[1,2] 郭崇[1,2] 杨竣博 和莉[1,2] 

机构地区：[1]威海职业学院,山东威海264200 [2]中国人民银行大连市中心支行,辽宁大连116000

出　　处：《征信》2016年第7期36-38,共3页Credit Reference

摘　　要：征信系统的应用已经渗透到银行信贷决策贷前、贷中和贷后的全过程,当前银行风险控制的新形势,也为征信系统数据提供的有效性、全面性等提出新的要求。商业银行应加强对征信数据的分析应用,更好地服务于自身信用风险管理工作。The application of credit reporting system has penetrated into pro review and approval decision,loan disbursement and post-disbursement management. The new situation of banking risk control also needs new requirements for the effectiveness,comprehensiveness of data provision from credit reporting system. Commercial banks should strengthen the analysis and application of credit reporting data so as to improve their own credit risk management.

关 键 词：征信系统 信用数据 价值分析 信用风险 

分 类 号：F832.4[经济管理—金融学]