基于金融发展视角的征信基础理论研究

Theoretical Study on Credit Investigation from the Perspective of Financial Development

征信作为市场经济条件下专业化的信用信息服务,产生的原因主要在于解决信息不对称问题,本质上属于金融中介功能的分离与专业化。本文从金融发展的视角,对征信发展过程中呈现的规模经济特征、准公共性特征和正外部性进行研究,指出征信的基本功能在于提升金融资源的配置效率,并且有助于普惠金融的发展。

As the specialized credit information service under the condition of market economy, credit arises mainly from solving the problem of information asymmetry. Credit essentially belongs to the separation and specialization of financial intermediary function. From the perspective of financial development, this paper presents the economy of scale in the process of development of credit, studies the positive externalities and further points out that credit is helpful to improve the efficiency of financial resources and promote the development of inclusive finance.