后危机时代中国企业征信业的新发展

The New Development of Business Credit Reference Industry in China in the Post-crisis Era

2008年美国次贷危机给整个世界经济带来巨大影响,也使人们对信用风险防范与企业征信服务有了重新认识。企业征信服务在降低信用信息不对称风险和信用违约风险方面发挥着重要作用,已经成为社会信用体系的重要组成部分。但是,在经历全球金融危机后,刚刚走过原始积累期的中国征信业,仍然面临诸多问题。这些问题的解决,有赖于市场开拓和核心竞争力培养,以及政策与法律支持。未来的研究可以对信息共享机制、金融业征信数据开放、不同情况下的违约预测数理模型等进一步探索,以促进企业征信业的发展。

The United States sub - prime loan crisis in 2008 has imposed a great impact on the world economy, and also made us recognize the importance of credit risk management and business credit reference services. Business credit reference plays an important role in reducing information asymmetry risk and credit default risk, and has be-come an important part of social credit system. However, having undergone the global financial crisis, the business credit reference industry in China that has just passed the stage of primitive accumulation is faced with many prob-lems. How to solve these problems depends on the market development and the cultivation of core competitiveness, as well as policy and legislation support. Future researches can be conducted in establishing the information sharing mechanism, opening credit reference data of financial industry, and building the default - forecasting model in dif-ferent conditions, so as to promote the development of business credit reference industry.