上海扩大消费信贷监管(安全)体系研究

A Research on the Supervision(Security)System Targeting the Consumption Credit Expansion in Shanghai

本文首先揭示了上海消费信贷中已经暴露的借款人信用风险等 6大类风险 ,同时分析预测了潜在风险。为确保消费信贷的安全 ,上海正致力于监管 (安全 )体系的建设 ,包括个人信用联合征信的试点 ,和商业银行的自律性消费信贷风险管理 ,以及社会性的风险转移机制建设的研究。消费信贷安全体系建设 ,目前尚存若干障碍 ,包括法律、意识及运作诸方面 ,因此 ,需要全社会包括政府、法律界、舆论界及中介机构的通力合作 ,才可卓有成效。

This paper describes 6 categories of risk to which Shanghai's consumption credit have been exposed. Then, potential risks are also forcasted in this paper.In order to ensure the safety of consumption credit,Shanghai now is constructing of the system of regulation and supervision(or securty),including making experiment of individual credit investigation,commercial banks' self disciplining management on the risk of consumption credit,and research on building up the systemic risk transfer mechanism.Since there are several impediments in the aspects of law,ideology and operation,expectively.The set up of an effective security system requires the cooperation of the government,the legislatives and the medi-institutions.