互联网信贷、信用风险管理与征信

Online Lending,Credit Risk Management and Credit Reporting

本文从互联网信贷的本质和创新人手,揭示了我国互联网信贷行业的高风险特性。通过对比互联网信贷和传统信贷机构信用风险管理的差异,指出互联网信贷高风险源于缺少征信以管理借款人的信用风险。随后,文章论证了征信对互联网信用风险管理的作用机制,并分析了我国互联网征信服务业的模式及存在的问题。最后,在借鉴国外互联网信贷机构管理信用风险经验的基础上,提出发展我国互联网征信的建议。

The paper studies the essence of online lending and recent innovation in the peer-to-peer lending industry, pointing out that the industry has a characteristic of high risk. Comparing the differences of credit risk management practices between traditional lending institutions and online lending companies, it is con- eluded that the high-risk characteristic of online lending industry is because credit reporting fails to cover a wide range of potential borrowers, which in turn makes it hard for online lending companies to conduct ad- equate credit risk management. Then, the paper discusses the effect of credit reporting on credit risk manage- ment by online lending companies, the different models and problems of current online credit reporting. In the end, the paper summarizes the credit risk management practices by foreign online lending companies and makes proposals for the healthy development of China＇ s online credit reporting.