基层央行风险导向型征信监管模式的实践与思考

On the Practices and Reflections of the Risk-oriented Credit Reporting Regulation Model of Local PBOC Branches

从征信管理的风险点出发,设计风险评估指标体系,进行评分评价,划分风险等级,提出整改措施,强化征信风险管理。中国人民银行常州市中心支行探索实践的风险导向型监管模式,将被监管机构征信业务定性指标和定量指标相结合评分,再进行分类监管,对基层央行征信监管及被监管机构征信管理均具有一定借鉴意义。

Starting from the risk points of credit reporting management,this model designs index systems for risk evaluation,conducts grading assessment,classifies the level of risk,and proposes rectification measures,so as to strengthen credit reporting risk management. The risk-oriented credit reporting regulation model explored and practiced by the Changzhou Central Sub-branch of the People＇s Bank of China（ PBOC） conducts overall evaluation on the qualitative index and quantitative index of the credit reporting operations of theinstitutions being regulated and then implement classified regulation,which provides relatively feasible and practical cases for the credit reporting regulation of the local PBOC branches and the credit reporting management of the institutions being regulated.