美国征信机构发展模式对中国的启示

The Enlightenment of the Development Mode of American’s Credit Reporting Agency to China

美国征信机构历史悠久,无论是发展理念还是发展规模,都领先于中国,本文通过分析美国征信机构的发展趋势、业务特征,为中国征信机构的发展提供经济学解释。研究发现:首先,征信机构的发展遵循规模经济、范围经济的特点,征信产品具非竞争性的特点,因此成立资本雄厚的征信机构是必然趋势。其次,征信机构提供的信息不是一成不变的,其演变的过程也为中国征信机构的发展提供了经验借鉴。

The US credit reporting agencies have a long history.Both the development concept and the scale of development are ahead of China.This paper provides an economic explanation for the development of China's credit reporting agencies by analyzing the development trends and business characteristics of US credit reporting agencies.The study finds that:First of all,the development of credit reporting institutions follows the characteristics of econo.mies of scale and scope,and the products of credit reporting are non-competitive.Therefore,it is an inevitable trend to establish a credit reporting institution with strong capital.Secondly,the information provided by the credit report.ing agencies is not static,and the process of its evolution has provided lessons for the development of China's credit reporting agencies.