美国征信机构发展模式对中国的启示  

The Enlightenment of the Development Mode of American’s Credit Reporting Agency to China

作　　者：孙文娜[1] 苏跃辉[1] 刘晓燕[1] Sun Wenna;Su Yuehui;Liu Xiaoyan

机构地区：[1]河北金融学院河北省金融创新与风险管理研究中心

出　　处：《西南金融》2019年第10期73-80,共8页Southwest Finance

基　　金：河北省社会科学基金项目“大数据背景下河北省中小企业征信模式研究”（HB17YJ056）

摘　　要：美国征信机构历史悠久,无论是发展理念还是发展规模,都领先于中国,本文通过分析美国征信机构的发展趋势、业务特征,为中国征信机构的发展提供经济学解释。研究发现:首先,征信机构的发展遵循规模经济、范围经济的特点,征信产品具非竞争性的特点,因此成立资本雄厚的征信机构是必然趋势。其次,征信机构提供的信息不是一成不变的,其演变的过程也为中国征信机构的发展提供了经验借鉴。The US credit reporting agencies have a long history.Both the development concept and the scale of development are ahead of China.This paper provides an economic explanation for the development of China's credit reporting agencies by analyzing the development trends and business characteristics of US credit reporting agencies.The study finds that:First of all,the development of credit reporting institutions follows the characteristics of econo.mies of scale and scope,and the products of credit reporting are non-competitive.Therefore,it is an inevitable trend to establish a credit reporting institution with strong capital.Secondly,the information provided by the credit report.ing agencies is not static,and the process of its evolution has provided lessons for the development of China's credit reporting agencies.

关 键 词：征信机构 信用评价 信用报告 信用评级 金融交易 中小企业融资 征信市场 信息不对称 信用风险 信贷风险管理 信息安全 征信体系建设 

分 类 号：F016[经济管理—政治经济学] F830.5