对征信中心个人信用评分产品开发的思考

Thoughts on Developing Individual Credit Scoring Products of Credit Information Centers

随着中国人民银行个人征信系统的建设和推广,接入征信系统的金融机构将个人信用报告作为办理信贷业务的重要依据,业务效率得到很大提升。为更好地服务商业银行和全社会,中国人民银行征信中心有必要进一步利用数据库资源,研究开发个人信用评分产品。介绍美国个人信用评分产品开发和收费的情况,分析征信中心信用评分面临的现实障碍,借鉴发达国家信用评分产品开发的经验,提出征信中心开发个人信用评分产品的对策和建议。

With the construction and promotion of the PBC individual credit information system, financial institutions with an access to the PBC credit information system, take the individual credit report as an important basis for dealing credit business, which enables operation greatly efficient. In order to serve better the commercial banks and the whole society, it is necessary for the PBC Credit Information Center to research and develop individual credit scoring products by making full use of database resources. The paper introduces the development and charges for individual credit scoring products in the USA, analyzes the obstacles facing the Credit Information Center, draws on the experience of the developed countries, and puts forward countermeasures and suggestions for the Credit Information Center to develop individual credit scoring products.