信用信息情报的微观机理研究

Study on Micro-Mechanism of Credit Information

随着市场经济进程的加快,信用交易形式在各种交易总量中所占的比重日益扩大,与此相伴随的信用风险也应运而生,这主要是由于信用信息情报收集和公开的缺乏。随着我国加入WTO,与世界经济接轨日益深入,提高商业银行信用风险管理水平,收集和整理各种企业与个人的相关信用信息情报,提供高质量的信用报告,以解决信贷市场信息不对称问题,促进信贷市场的发展,是我国建立社会信用管理体系的重要前提。

With the development of market economy, the ratio of credit transaction to total trade is increasing, and credit risk happens, which is the result of absence of collection and publicity of credit information. With entrance of China into WTO and connection with international economy, in order to solve asymmetric information and advance credit market, improving credit risk management of financial bank, collecting and coordinating of relative credit information of companies and individuals, providing higher quality of credit report are the important preconditions for establishing social credit management system.