产品创新与信用制度建设:个人贷款业务发展研究

本文通过对浙江省嘉兴市的个人贷款业务进行案例研究,证明了在金融产品创新进程中必须结合以一定的配套制度建设。作为商业银行的一项表内产品创新,个人信贷具有缓解商业银行信贷业务的信息非对称问题、促进宏观经济健康发展的优势,因而正在成为商业银行新增贷款的主要组成部分。但是,由于个人信用制度建设的不足,个人贷款也同样存在隐性风险。因此,文章建议必须建立银行间、全社会的个人信用体系。

This paper studies the development of individual lending in Jiaxing city, Zhejiang province, proving the proposition that such financial product innovation should parallel to the credit assessment arrangement for individuals. As an in-balance-sheet product innovation, individual lending reduces the information asymmetry in banking, while improve the macroeconomic development, and thus, takes a major part in the increase of commercial banks' loans. However, the lack of personal credit evaluation system, there is potential implicit risk in individual lending.Therefore,it is necessary to establish an interbank personal credit evaluation system to enhance the transparency.