民间借贷领域征信业务模式初探  

An Exploration of Credit Reporting Business Models in China's Private Lending Sector

作　　者：张旿 Zhang Wu(Shanghai Credit Information Services Co.,Ltd,Shanghai 200002,China)

机构地区：[1]上海资信有限公司,上海200002

出　　处：《征信》2018年第10期8-13,共6页Credit Reference

摘　　要：经过一系列试点探索,中国人民银行建成了全国集中统一的个人、企业信用信息基础数据库,并通过多种渠道向信息主体以及金融信贷机构提供服务。与此同时,各类民间征信机构、大数据技术公司从不同角度开始了各类信用服务的探索,但以民间借贷业务为代表的各类非银行信用系统仍游离于当前主流的征信体系之外。进一步探索研究民间借贷等非银信用信息采集、共享模式,将对规范民间借贷业务、加强全社会的金融风险防控以及促进我国信用体系建设具有重要意义。After a series of pilot programs and experiments,the People’s Bank of China establishes the nation-wide centralized enterprise credit information database and personal credit information database,and provides services for information subjects and financial lending institutions through multiple channels.Meanwhile,different types of private credit reporting agencies and big-data companies begin their exploration of various credit services from different perspectives.However,various types of non-bank credit systems represented by private lending businesses are still not covered by the mainstream credit reporting system.It is of great significance for regulating private lending businesses,strengthening the financial risk prevention and control of the whole society,and promoting the construction of China’s credit system to further explore and study the non-bank credit information gathering and sharing model of credit businesses like private lending.

关 键 词：民间借贷 征信体系 非银行信用信息 征信业务模式 

分 类 号：F832.39[经济管理—金融学]