我国企业征信机构发展路径探析——美国邓白氏公司的经验及启示

Discussion on the Development Path for Enterprise Credit Reporting Agencies in China——Experience of American Dun & Bradstreet Company and Enlightenment

以国际著名的征信机构——邓白氏公司为例,从其创建到成熟并最终成为行业巨人的发展历程入手,结合其主要产品和服务,深入分析邓白氏公司业务发展的特点和实践经验。建议从创造良好的外部环境、深耕于地方或行业征信、提高业务的专注性和专业性、支持有数据和技术基础的征信机构等方面,促进我国社会征信机构的培育和发展。

By taking Dun&Bradstreet Company,an internationally well-known credit reporting agency as an example,this paper starts with its establishment,maturity and eventually becoming a giant in the industry,introduces its main products and services,and makes an in-depth analysis on its business development characteristics and practical experience.It is suggested that we should create a good external environment,deeply cultivate local or industrial credit reporting,improve business focus and professionalism,and support credit reporting agencies with data and technology basis so as to promote cultivation and development of China's social credit reporting agencies.