对金融业统一征信平台搭建的思考——基于银行、证券、保险信息共享的探索

Views on Establishing a Unified Platform for Credit Reference in Financial Industry——Based on Exploration of Information Sharing among Securities,Insurance and Banking Industries

分析目前我国征信系统框架的现状与局限,并从金融产品形式变革是常态,银行、证券、保险信息终将标准化共享这一视角出发,提出金融业统一征信平台搭建架构的新思路。

An analysis is made on the current situation and the limitations for the framework system of China＇ s credit reference at present. Then the paper proposes a new philosophy to build a framework unified platform for credit reference in financial industry from the perspective that the change of financial product form is normal, and that information in banking, securities, insurance industries will be standardized and shared in the end.