加快金融业统一征信平台建设的相关建议——基于融资融券业务客户的分析

To Accelerate the Construction of Unified Credit Reference System of Financial Industry to Adapt to Financial Innovation——the Analysis Based on Customer Credit Reference for the Securities Margin Transactions

目前,人民银行征信系统的信息采集和服务对象基本局限在银行信贷领域。随着我国金融市场创新步伐加快,信用信息共享需求增加,目前征信体系建设现状已无法充分满足金融业务发展的需要,不健全的征信体系对我国金融市场发展产生了制约效应。作为资本市场金融创新代表性举措的融资融券业务,集中体现了这一突出矛盾。应加快建设金融业统一征信平台,将金融创新业务信息纳入平台采集和服务范围,实现与金融市场发展的良性互动。

Currently,the information collection and service objects of the credit system of the People’s Bank of China are basically limited to the field of bank credit.The national financial work conference,held in January 2012,proposes to speed up the construction of the unified credit information platform of the financial industry.In fact,with the increased pace of innovation of China’s financial market,the demand for credit information sharing increase,the current status of credit system has been unable to fully meet the needs of the financial business development,and the unsound credit information system has constraints effects on the development of China’s financial market.Margin trading business,as the representative measure of capital market’s financial innovation,epitomizes the outstanding contradiction.We should accelerate the construction of the unified credit information platform of the financial industry,include the financial innovation business information into the platform acquisition and scope of services,and achieve the positive interaction with the development of financial markets.