我国个人信用信息基础数据库运行中存在的问题及对策——基于有效防范信用卡信用风险的视角

Existing Problems in Running Basic Personal Credit Information Database in China and Countermeasures——A Perspective Based on the Effective Prevention of Credit Risk for Credit Cards

随着我国信用卡市场的不断拓展,信用卡信用风险发生的频率也越来越高。根据博弈理论,要防范信用风险,必须按"重复博弈"的要求对信用建设进行新的制度安排,即建立健全个人信用信息基础数据库。个人信用信息基础数据库的建立运行,将个体之间的单次博弈变为申请人与发卡银行整体之间的重复博弈,对防范信用卡信用风险具有重要的意义。目前,我国个人信用信息基础数据库存在信用体系覆盖面小,个人信用信息采集不全、质量不高、更新不及时,欠缺准确有效的个人信用评估系统等问题。因此,应加大信息采集力度,加强数据库信息管理工作,建立科学规范的个人信用评估体系,进一步加强我国个人信用信息数据库建设。

With the continuous expansion of credit card market in China,occurrence of credit risks for credit cards is also increasingly frequent.According to the Game Theory,in order to guard against credit risks,new institutional arrangements for the credit-building must be made with the requirements of ＂repeated games＂,i.e.establishing a sound basis of personal credit information database.A healthy operation of basic personal credit information database changes a single game between individuals into repeated games between the applicant and the issuing bank as a whole,which is of great significance to guard against credit risks for credit cards.At present,there are such problems as personal credit information database in China with a small coverage for the credit system,individual credit information-collection being incomplete,with low-quality,in no timely updating,lack of accurate and valid personal credit appraisal system.Therefore,it＇s necessary to intensify information collection,to strengthen management of database information with an establishment of a scientific and standardized personal credit assessment system for further strengthening construction of individual credit information database in China.