征信服务于银行风险管理的机理

The Mechanism of the Credit Information Service in the Bank Risk Management

银行危机通常都处于金融危机的核心位置,保持银行业稳定是维护金融稳定的核心关键。征信是社会信用关系发展到高级阶段而伴生的一种信用信息服务,它是金融体系分工的自然结果,它把商业银行金融机构贷前调查、贷前审查的相当一部分任务专业化,它是服务于银行业信用风险管理服务中的一项最普遍、最基本的业务,是防范银行风险的一个关键环节。

Banking crises are usually at the heart of the financial crisis so keeping the banking stability is the core key for maintaining the financial stability. With the development of the social credit relationship to its advanced stage, credit information industry has come into being and becomes a kind of credit information service and is the natural result of the division of labor of the financial system. Credit information specialized the considerable amount of tasks of the pre-loan investigation and examination of the financial institutions such as the Commercial Bank. Credit information industry is one of the most common and basic business for serving the banking credit risk management and is a key point for guarding against the banking risk.