摘要
推动个人征信业高质量发展,有利于增强金融包容性、促进金融体系有效运行、助力整体经济高质量发展。按照世界银行的分类,分析中国个人征信业面临的主要风险,包括战略风险、运营风险、网络风险、模型风险、声誉风险以及法律和合规风险。针对这些风险提出相应的应对措施:推动产品和技术创新,有效应对市场竞争;提高行业人员专业水平,改善征信机构基础设施,保障征信业务持续有效运营;加强网络安全管理,提升风险应对能力;提高模型及其结果的透明性、可解释性和公平性;加强数据安全和隐私保护管理,完善争议解决机制;履行合规义务,加强监管;提高管理措施整体性。
Promoting the high-quality development of consumer credit reporting industry is conducive to enhancing financial inclusion,promoting the effective operation of financial system,and contributing to the high-quality development of the overall economy.According to World Bank,China's consumer credit reporting industry is faced with strategic risk,operational risk,cyber risk,model risk,reputation risk,legal risk,and compliance risk.Credit reporting institutions should promote product and technology innovation to cope with market competition,improve technical level of personnel,update the infrastructure of credit reporting,and promote the continuity of business.Credit reporting institutions should also strengthen cyber security management and enhance responsiveness to risks,improve the transparency,explainability and fairness of models,strengthen data security and privacy protection,improve the dispute resolution mechanism,fulfill compliance obligations in accordance with laws and regulations,and improve the integrity of risk management measures.
作者
张涛
章政
张丽丽
Zhang Tao;Zhang Zheng;Zhang Lili(Institute of Population and Labor Economics,Chinese Academy of Social Sciences,Beijing 100006,China;School of Economics,Peking University,Beijing 100871,China;School of Marxism,Northwestern Polytechnical University,Xi'an 710072,Shaanxi,China)
出处
《征信》
北大核心
2023年第11期1-6,共6页
Credit Reference
关键词
高质量发展
风险评估
数据安全
模型风险
high-quality development
risk assessment
data security
model risk