摘要
健全的现代信用服务体系应该包括"五大类"服务机构及其产品和服务:外部约束类信用服务、内生助力类信用服务、信用基础设施类服务、信用风险管理类服务和信用监管类服务。建议重点关注与支持内生助力类机构,做大做强外部约束类机构,重视信用基础设施类服务,建立与倡导信用监管类服务,推广与规范信用风险管理类服务,以发展和健全我国的信用服务体系。
A sound modern credit service system should include five types of service-providing institutions along with their products and services: externally constraining credit services,endogenously supporting credit services, credit infrastructure services,credit risk management services,and credit regulation services.It is recommended that we mainly focus on and support endogenously supporting institutions,expand and strengthen externally constraining institutions,attach importance to credit infrastructure services,establish and advocate credit regulation services,and promote and standardize credit risk management services,so as to develop and improve China's credit service system.
作者
吴晶妹
Wu Jingmei(The School of Finance,Renmin University of China,Beijing 100872,China;Financial Policy Research Center,Renmin University of China,Beijing 100872,China)
出处
《征信》
北大核心
2019年第8期7-10,92,共5页
Credit Reference
关键词
信用服务体系
信用服务机构
征信
信用评价
信用监管
credit service system
credit service agency
credit reporting
credit evaluation
credit regulation
