从世行营商环境排名看我国信贷信息系统建设  

The Construction of Credit Information System in China from theWorld Bank's Doing Business Ranking

作　　者：张怡雯 尚珂 ZHANG Yiwen;SHANG Ke(School of Law,BeijingWuzi University,Beijing 101149)

机构地区：[1]北京物资学院法学院,北京101149

出　　处：《楚雄师范学院学报》2023年第2期48-57,共10页Journal of Chuxiong Normal University

摘　　要：对比世界银行近几年发布的营商环境报告,发现我国“获得信贷”指标一直处于低于整体排名的位置,对我国整体营商环境造成负面影响。进一步研究二级指标发现我国信贷信息系统存在动产担保登记分散、信用信息缺乏市场化力量及法律保障的问题。结合我国现有信贷信息系统发展情况,从改善我国信贷信息环境角度提出建立多层次担保登记机构,同时推进互联网信用体系建设的建议,努力营造法治化、国际化营商环境。By comparing the World Bank’s Doing Business reports in recent years,it is found that the index of“access to credit”in China has been lower than the overall ranking,which has a negative impact on the overall business environment in China.A further study of secondary indexes reveals the problems of chattel guarantee registration dispersion,lack of marketability and legal protection in credit information system.Based on the development of China’s existing credit information system,this paper puts forward suggestions on establishing multi-level guarantee registration institutions and promoting the construction of Internet credit system from the perspective of improving China’s credit information environment,so as to create a legalized and international business environment.

关 键 词：营商环境 获得信贷 信贷信息系统 

分 类 号：F832.41[经济管理—金融学]