美国征信数据及其在金融业的应用  

American Credit Information Data and Its Application in Financial Industry

作　　者：刘新海[1] 骆司融 曹晨舟 马燕杰[3] LIU Xinhai LUO Sirong CAO Chenzhou Ma Yanjie(The People＇s Bank of China Credit Reference Center, Beijing 100031 , China College of Statistics ＆ Management, Shanghai University of Finance ＆ Economies, Shanghai, 200433 , China China Construction Bank, Yunnan Branch, Kunming , Yunnan 650000, China)

机构地区：[1]中国人民银行征信中心,北京100031 [2]上海财经大学统计与管理学院,上海200433 [3]中国建设银行云南省分行,云南昆明650000

出　　处：《征信》2016年第11期55-60,共6页Credit Reference

基　　金：国家自然科学基金(71471107);上海浦江人才计划(12PJC051)

摘　　要：征信体系作为金融行业的基础设施,在现代经济活动中发挥着越来越重要的作用。美国作为信用管理行业高度发达的国家,在征信数据应用方面有许多值得借鉴的经验。对美国企业和个人征信数据的基本内容进行了介绍、分类、解释和说明,并通过应用案例具体论述了征信数据在金融保险业中的典型应用。通过借鉴分析不仅可以帮助国内征信机构加深对征信数据的理解,而且还能促进金融保险业更加广泛地使用征信数据进行风险监控、信贷决策、定价等,对提高国内征信数据在实践中的应用提供了参考。As the infrastructure of the financial industry, the credit reporting system is playing an increasingly important role in the modem economic activities. As a highly developed country on credit reporting industry management, the United States has a lot of experiences in the application of credit information data. The basic contents of the corporate and personal credit information in the United States are introduced, classified, explained and illustrated, and the typical application of the credit information data in the financial insurance industry is discussed through the application of the cases. This reference and analysis can not only help the domestic credit reporting agencies to deepen the understanding of credit information data, but also promote the financial insurance industry more widely using of credit information data for risk monitoring, credit decision and pricing, which in practice offers reference in improving application of domestic credit information data.

关 键 词：征信数据 金融保险业 信用风险 风险管理 信用风险模型 信用评级模型 

分 类 号：F837.12[经济管理—金融学]