我国信用服务体系未来:“五大类”构想与展望  

Reflections on the Future of China’s Credit Service System: Conceiving and Forecasting of Five Types of Services

作　　者：吴晶妹[1,2] Wu Jingmei(The School of Finance,Renmin University of China,Beijing 100872,China;Financial Policy Research Center,Renmin University of China,Beijing 100872,China)

机构地区：[1]中国人民大学财政金融学院 [2]中国财政金融政策研究中心

出　　处：《征信》2019年第8期7-10,92,共5页Credit Reference

摘　　要：健全的现代信用服务体系应该包括"五大类"服务机构及其产品和服务:外部约束类信用服务、内生助力类信用服务、信用基础设施类服务、信用风险管理类服务和信用监管类服务。建议重点关注与支持内生助力类机构,做大做强外部约束类机构,重视信用基础设施类服务,建立与倡导信用监管类服务,推广与规范信用风险管理类服务,以发展和健全我国的信用服务体系。A sound modern credit service system should include five types of service-providing institutions along with their products and services: externally constraining credit services,endogenously supporting credit services, credit infrastructure services,credit risk management services,and credit regulation services.It is recommended that we mainly focus on and support endogenously supporting institutions,expand and strengthen externally constraining institutions,attach importance to credit infrastructure services,establish and advocate credit regulation services,and promote and standardize credit risk management services,so as to develop and improve China's credit service system.

关 键 词：信用服务体系 信用服务机构 征信 信用评价 信用监管 

分 类 号：F832.4[经济管理—金融学]