金融机构应用第三方信用信息问题探析——基于江苏省金融机构的调查  

Analysis on the Application of Third-party Credit Information in Financial Institutions: Based on a Survey of Financial Institutions in Jiangsu Province

作　　者：梁松江 Liang Songjiang(Nanjing Sub-branch of the People’s Bank of China,Nanjing 210004,Jiangsu,China)

机构地区：[1]中国人民银行南京分行,江苏南京210004

出　　处：《征信》2020年第11期56-59,共4页Credit Reference

摘　　要：当前,金融机构因发展和拓业需要从第三方机构直接或间接获取信用信息已逐渐成为一种较为普遍的现象。通过问卷调查发现,当前随着第三方信息应用的广度和深度不断加大,越来越多的潜在风险和苗头性问题亟待关注,如数据源不稳定、数据质量不过关、信息主体权益得不到有效保障等。为了促进金融机构有效使用第三方信用信息,提出如下建议:加快立法,促进第三方信用信息合规使用、有法可依;协同监管,填补金融机构使用过程中的风险漏洞;合理规划,引导信用信息服务行业健康发展等。At present,it has gradually become a relatively common phenomenon that financial institutions need to obtain credit information directly or indirectly from third-party institutions due to their development and expansion.Through the questionnaire survey,it is pointed out that with the increasing breadth and depth of thirdparty information application,more and more potential risks and emerging problems need urgent attention,such as unstable data sources,poor data quality,and the rights and interests of information subjects being not effectively guaranteed.In order to promote the effective use of third-party credit information by financial institutions,the following suggestions are put forward:to speed up legislation,promote the compliance use of third-party credit information and have laws to follow;to coordinate supervision to fill the risk loopholes in the use of financial institutions;to make reasonable plans to guide the healthy development of credit information service industry.

关 键 词：第三方信用信息 金融机构 信息保护 

分 类 号：F832.4[经济管理—金融学]