不对称信息与个人信用体系建设  

Asymmetric information and the setting up of individual credit system

作　　者：盛朝晖[1] 

机构地区：[1]中国人民银行研究生部

出　　处：《北京市财贸管理干部学院学报》2003年第4期40-43,共4页Journal of Beijing Institute of Finance and Commerce Management

摘　　要：银行个人信贷市场是信息不对称最为突出的场所,信息不对称的核心是信用信息不对称,随着个人消费信贷业务的发展,建立个人信用体系已刻不容缓。文章分析了信息不对称对银行信贷市场的影响以及银行防范措施的效应,比较研究个人信用体系建设的几种模式,探讨影响我国个人信用体系建设的因素,提出了建立个人信用体系的步骤和措施。The information in banking individual credit market is the most asymmetric,and the core of the asymmetric information is the asymmetry of creditinformation.With the development of the individual consuming credit,it is urgent to set up the individual credit system.The essay analyses in impact on the banking credit market taken by the asymmetric information and the effect of measure which the banking keep away from it,compare the model of some different individual cred it system,discuss the issue which influence the setting up of our country individual credit system,and propose the steps and measures.

关 键 词：中国 不对称信息 个人信用体系 银行 个人信贷市场 国际经验 技术标准 个人征信立法工作 

分 类 号：F832.479[经济管理—金融学]