福建省征信业发展现状、问题与对策  

Present Condition,Problem and Development Countermeasures of Credit Reporting Industry in Fujian Province

作　　者：赵蓝昊 ZHAO Lan-hao(Fujian Financial Services Cloud Credit Co.,Ltd,Fuzhou 350000,China)

机构地区：[1]福建省金服云征信有限责任公司,福建福州350000

出　　处：《福建金融管理干部学院学报》2023年第4期31-37,共7页Journal of Fujian Institute of Financial Administrators

摘　　要：近年来,福建省征信行业持续高速发展。通过对福建省征信行业的发展现状、运行特点进行系统梳理,发现福建省征信行业发展中存在法律体系建设不完善;产品不好用、数据不够用;人才及资源分布不平衡;失信惩戒、守信激励方面的应用较少等问题与制约因素。为此提出如下建议:加强法制建设和政策扶持,逐步完善行业自律功能;优化产品,拓宽数据来源,提升产品针对性与实用性;重视征信人才队伍的建设,以差异化资源竞争促发展;加强政府端失信惩戒力度,探索守信激励的优化路径。In recent years,the credit reporting industry in Fujian Province has experienced sustained and rapid development.Through a systematic analysis of the current situation and operational characteristics of the credit reporting industry in Fujian Province,it has been found that there are issues and constraining factors in the development of the industry,such as the imperfect legal system,user-unfriendly products,lack of data,uneven distribution of talents and resources,and inadequate incentive and punishment mechanisms.Therefore,the following suggestions are proposed:strengthen legal system construction and policy support,gradually improve industry self-discipline functions;optimize products,explore data sources,and enhance product relevance and practicality;emphasize the construction of the credit reporting talent pool to stimulate development through differentiated resource competition;enhance the government's efforts in punishing dishonesty and explore optimization paths for credit incentives.

关 键 词：征信 征信发展 区域合作 替代数据 

分 类 号：F832[经济管理—金融学]