美国征信数据及其在金融业的应用

American Credit Information Data and Its Application in Financial Industry

征信体系作为金融行业的基础设施,在现代经济活动中发挥着越来越重要的作用。美国作为信用管理行业高度发达的国家,在征信数据应用方面有许多值得借鉴的经验。对美国企业和个人征信数据的基本内容进行了介绍、分类、解释和说明,并通过应用案例具体论述了征信数据在金融保险业中的典型应用。通过借鉴分析不仅可以帮助国内征信机构加深对征信数据的理解,而且还能促进金融保险业更加广泛地使用征信数据进行风险监控、信贷决策、定价等,对提高国内征信数据在实践中的应用提供了参考。

As the infrastructure of the financial industry, the credit reporting system is playing an increasingly important role in the modem economic activities. As a highly developed country on credit reporting industry management, the United States has a lot of experiences in the application of credit information data. The basic contents of the corporate and personal credit information in the United States are introduced, classified, explained and illustrated, and the typical application of the credit information data in the financial insurance industry is discussed through the application of the cases. This reference and analysis can not only help the domestic credit reporting agencies to deepen the understanding of credit information data, but also promote the financial insurance industry more widely using of credit information data for risk monitoring, credit decision and pricing, which in practice offers reference in improving application of domestic credit information data.