信用经济下构建全覆盖的企业征信体系的必要性与路径初探——基于案例企业的信用总规模与结构分析  

Discussion on the Necessity and Path of Establishing a Comprehensive Corporate Credit Reporting System under the Credit Economy:Based on the Analysis of Credit Scale and Structure of Case Companies

作　　者：吴晶妹[1] 陈静远 Wu Jingmei;Chen Jingyuan(School of Finance,Renmin University of China,Beijing 100872,China)

机构地区：[1]中国人民大学财政金融学院,北京100872

出　　处：《征信》2024年第12期1-11,共11页Credit Reference

基　　金：国家社会科学基金重大项目(23&ZD176)。

摘　　要：随着信用经济的快速发展,企业信用总规模的扩大及其结构的复杂化以及危机事件频发,对信用风险的识别与管理提出了新的挑战。从信用经济理论出发,以企业信用规模与结构、征信理论与实践现状为基础,以恒大集团债务危机为案例,探讨了在信用经济背景下构建全覆盖的企业征信体系的必要性与实施路径。研究发现,恒大集团的企业信用规模庞大、结构复杂,债务危机与其商业信用的快速扩张密切相关,而现有征信体系未能有效监测和预警商业信用风险。基于此,提出通过完善公共征信、金融征信和商业征信三大体系,实现对企业信用总规模与结构信息的全覆盖,以有效管理和控制信用风险。With the rapid development of the credit economy,the expansion of the total scale of corporate credit,and the complexity of its structure and the frequent occurrence of crisis events have posed new challenges to the identification and management of credit risks.Starting from the theory of credit economy and based on the discussion of corporate credit scale and structure,as well as the current state of credit reporting theory and practice,this paper takes the debt crisis of Evergrande Group as a case study to explore the necessity and implementation path of establishing a comprehensive corporate credit reporting system under the background of the credit economy.The study finds that Evergrande Group’s corporate credit scale is huge,its structure complex,and its debt crisis closely related to the rapid expansion of its commercial credit.However,the existing credit reporting system has failed to effectively monitor and warn of its commercial credit risks.Based on this,the paper further proposes to achieve full coverage of the total scale and structure of corporate credit information by improving the three major systems of public credit reporting,financial credit reporting,and commercial credit reporting,so as to effectively manage and control credit risks.

关 键 词：信用经济 企业征信 三大征信 商业信用 信用总规模 

分 类 号：F832[经济管理—金融学]