征信机构对银行信贷的促进作用研究--以近代中国征信所为例

On the Role of Credit Reporting Agencies in Improving Bank Loan Quality:A Case Study of Modern Chinese Credit Reporting Bureau

由于世界经济危机波及中国,1932年,当时较大的十几家银行联合发起成立了中国征信所,为行业合作性质,主要提供银行信贷服务。中国征信所实行会员制,分为基本会员和普通会员,普通会员又分为甲、乙、丙三种。普通会员的种类不同,其年缴纳会费和委托案件的数量也有所不同。实证分析表明,中国征信所在助力当时银行业增加贷款和减少不良贷款方面发挥了非常重要的作用。

Due to the spillover of the Great Depression,more than a dozen relatively large banks of China in 1932 jointly initiated the foundation of the modern Chinese credit reporting bureau which is an industry cooperation organization in nature and mainly provides bank loan services.The bureau implements the system of membership and its members consist of two types,basic members and ordinary members.Ordinary members are divided into three types,namely A,B,C.The membership fees and the cases that can be entrusted of these three types of ordinary members are different.Empirical analysis demonstrates that modern Chinese credit reporting bureau has played a highly important role in helping banks to increase loans and reduce non-performing ones at that time.