基于主成分分析对征信系统接入机构非现场监管的研究

Study on the Off-site Supervision over Institutions Accessed to the Credit Reporting System Based on the Principal Component Analysis Method

征信业非现场监管方式的核心是设计合适的监管指标体系以及接入机构分级方法。建议从征信管理、信息报送、人员素质、外部评级等因素设计指标体系,然后利用主成分分析方法综合各个因素的信息,得出综合得分,再依据综合得分对接入机构进行分级,并对不同等级接入机构采取不同的应对措施,严守不发生征信信息泄露风险的底线。

The core of the off-site supervision over the credit reporting industry is to design an appropriate regulatory indicator system and grading method of the institutions accessed to the credit reporting system.It is recommended to design the indicator system from factors such as credit reporting management,information reporting,personnel quality and external rating,etc.Comprehensive scores can be achieved by making use of the principal component analysis method to synthesize the information of each factor.Then the institutions accessed to the credit reporting system can be graded based on their comprehensive scores and different countermeasures can be taken against institutions of different grading levels so as to strictly adhere to the bottom line of no risk of credit information leakage.