国内个人信用评分机制的规范研究

Research on the Standardization of Individual Credit Scoring Mechanism in China

信用评分日益成为金融机构贷款决策的重要依据。目前,公民个人的信用关联信息主要来自于以下途径:中国人民银行个人征信信息、信用服务机构的个人信用评分、地方的个人信用评分和电信运营商提供的个人信用评分。从规范我国个人信用评分机制考虑,应建立全国统一的个人信用评分机制,由中国人民银行征信中心统一管理个人信用分数,同时,对不确定性因素进行考察,并区别个人信用与个人声誉评价标准。为建立我国统一的个人信用评分机制,应完善全国征信系统中的个人信用记录,设定个人信用计分卡和计分权重,设置个人信用的风险分数,确立科学的个人信用评分模型,确保个人信用分数计算方法的科学性与合理性。通过规范个人信用评分机制,扩大信用分数在各个领域的应用,进一步促进我国信用体系的建立与完善。

Credit scoring has increasingly become an important basis for financial institutions to make loan decisions.At present,citizens personal credit information mainly comes from the following channels: personal credit information of the People s Bank of China,personal credit score of credit service agencies,local personal credit score and personal credit score provided by telecom operators.In consideration of normalizing the individual credit scoring mechanism in China,a national unified individual credit scoring mechanism should be established and the Credit Reference Center of the Central Bank should manage the individual credit score uniformly.Meanwhile,the uncertainty factors should be investigated and the evaluation standards of individual credit and reputation should be distinguished.In order to establish a unified personal credit scoring mechanism in China,it’ s necessary to improve the personal credit record in the national credit reporting system,to set the personal credit score card and scoring weights,to set the risk score of personal credit,and to establish a scientific personal credit scoring model,so as to ensure the scientificalness and rationality of the calculation method of personal credit scoring.By normalizing the individual credit scoring mechanism and expanding the use of credit score in various fields,the establishment and improvement of China's credit system will be further promoted.