我国个人征信体系建设对策研究——基于博弈理论的思考

Study on the Countermeasures for Personal Credit Reference System Construction in China—From the Perspective of Game Theory

借鉴经济学博弈理论,引入经典博弈模型,论证了市场经济条件下征信体系建设的必然性和重要性。通过与美国、英国和日本征信体系的对比,发现我国个人征信体系建设中存在法制不健全、征信数据来源面窄等若干问题。为完善我国个人征信体系建设,应加强信用文化建设,强化法律法规建设,加大宣传力度,拓宽征信内容,扩大信用报告应用范围,加强商业银行诚信建设。

By referring to economics game theory and introducing classic game models, the paper discusses the necessity and importance of credit reference system construction under the market economy. Comparing the credit reference systems of China with that of the United States, Britain, Japan and other developed countries, it is found that such problems in China＇ s personal credit system exist as imperfect legal establishment, narrow sources of credit reference data, etc. In order to improve the personal credit reference system construction in China, it＇ s necessary to promote the development of credit culture, strengthen the construction of laws and regulations, make greater efforts in publicity, broaden the extent of credit reference, expand the application scope of credit reference reports, and enhance the integrity construction for commercial hanks, etc.