小额贷款公司和融资性担保公司征信业务管理面临的问题研究——以四川省自贡市为例

Study on the Problems in Credit Reporting Business Management for Micro Loan Companies and Financing Guaranteed Corporations—A Case of Zigong City,Sichuan Province

小额贷款公司和融资性担保公司如有效运用征信业务,则对其健康发展有着重要的促进作用。但由于相关制度不完善、主管部门对这两类机构进行信用评级的征信业务监管手段有限,使得这两类机构征信意识不强,业务发展受限,为此,应加强征信业务在这两类机构经营发展中的监管和引导,建立正向激励、扶优限劣机制,实现信息共享、协调发展。

Micro loan companies and financing guaranteed corporations can play an important role in promoting their consciousness of credit reporting and business development impeded. Therefore, we should strengthen supervision and guidance on these two institutions in the operation and development of credit reporting business, and establish positive incentive and supporting excellent while curbing inferior mechanism, so as to realize information sharing and coordinated development.