商业银行征信违规风险防控的思考  

Reflection on the Prevention and Control of Violation Risks of Commercial Banks in Credit Reporting

作　　者：唐琦[1] 龚成 樊瑾瑜 Tang Qi;Gong Cheng;Fan Jinyu(Yangzhou City Central Sub-branch of the People’s Bank of China,Yangzhou 225009,Jiangsu,China)

机构地区：[1]中国人民银行扬州市中心支行,江苏扬州225009

出　　处：《征信》2019年第4期28-31,共4页Credit Reference

摘　　要：当前,征信信息安全问题越来越受到监管部门和商业银行的重视。从监管视角分析商业银行征信违规风险的类型、征信合规管理措施及面临的问题,提出商业银行防控征信违规风险的建议:强化征信合规管理中信息主体权益保护职责;加强征信信息查询使用全生命周期管理;明确征信业务职责,有效平衡业务发展;加强员工管理,防范道德风险。Credit reporting information security has increasingly attracted the attention from the regulatory departments and commercial banks. By analyzing the types of violation risks of commercial banks in credit reporting, the credit reporting compliance management measures and the existing problems from the regulatory perspective, this article puts forward suggestions on the prevention and control of violation risks of commercial banks in credit reporting: reinforcing the responsibility of protecting the rights of information subjects in credit reporting compliance management;strengthening the whole life-cycle management of the inquiry and usage of credit reporting information;clarifying the responsibilities of credit reporting businesses and effectively balancing the development of businesses;intensifying the management of credit reporting personnel and preventing and controlling moral hazard.

关 键 词：商业银行 征信违规 信用信息 风险管理 

分 类 号：F832.4[经济管理—金融学]