金融信用信息基础数据库接入机构退出机制探讨

Exploration on the Exiting Mechanism for the Accessed Institutions of the Basic Financial Credit Information Database

随着小微信贷机构接入金融信用信息基础数据库日益增多,部分机构因业务发展不稳定,甚至出现停业、倒闭等极端情况,履行数据报送的意愿或能力丧失。阐述建立接入机构退出机制的必要性,描述机构退出的主要情形,提出设置机构退出机制时需要考虑的问题,建议构建包括退出标准、风险监测、退出程序等内容的接入机构退出机制,并妥善解决机构退出后征信数据的处理问题。

With increasing number of micro and small credit loan institutions accessed to the basic financial credit information database, some institutions lose the willingness or the ability to report credit data to the database because of the instability of businesses, or even closing down or bankruptcy. This article illustrates the necessity of establishing the exiting mechanism of institutions accessed to the database, analyzes the main circumstances of exit, and puts forward the questions worth of taking into account when establishing the exiting mechanism. It is recommended that an exiting mechanism including formulating exiting standards, improving risk monitoring and designing exiting procedures, etc. should be constructed and the credit reporting data be properly handled after the exit of institutions.