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征信制度模式影响因素的实证研究——基于面板数据的分析

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摘要 本文根据2011-2014年123个国家的面板数据,针对影响一国征信制度模式选择的因素进行实证研究。计量结果表明,在银行信贷占GDP百分比高、政府对经济的干预程度低的国家私营征信机构容易自发产生,而国内银行业集中度高、法律体系对债权人权利保护较弱的国家倾向由政府建立公共征信系统。因此,各国应从本国实际出发,选择符合国情的征信制度模式。
作者 杨光
出处 《福建金融》 2016年第8期46-49,共4页 Fujian Finance
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