借款人的还款行为分析及与征信系统的关系

Analysis on Borrower's Repayment Behavior and Relationship with Credit Reporting System

征信系统对借款人会产生重要影响,主要体现在借款人受征信系统影响,其经济行为发生变化,如企业或个人在贷款后会及时还款以减少逾期次数、会增加信贷记录和账户数量,以有利于信用评分的提升。通过考察天津市个人和企业贷款违约率的变化情况,研究征信系统与借款人经济行为之间的内在联系,验证征信系统对改变借款人还款行为所起的作用。

Credit reporting system imposes an important influence on borrowers. The effect is mainly reflected as fol- lows：borrower＇ s economic behavior changes for the influence of credit reporting system upon the borrowers, for in- stance, the enterprise or individual will make timely repayment after the loan disbursement in order to reduce over- due repayment times, or increase credit record and account numbers to aim at raising credit score. By investigating the changes of personal and corporate loan default rate in Tianjin, the paper studies the internal relationship between credit reporting system and borrower＇ s economic hehavior, and verifies the role of establishing credit reporting sys- tem for changing the borrower＇ s repayment behavior.