摘要
银行专门经营信用,是信用信息最大供给者和需求者。我国银行信贷登记系统资源丰富,本文采用统计整理法、归纳契合法,从中解析至少可加工受信人信用程度、经营效益等9种信息。从大力开发信息产品、构建共享平台等5方面,提出进一步挖掘信用信息综合服务功能,服务于授信决策、金融监管、经济金融监测和形势分析、宏观调控、全社会信用体系建设。
Bank is the greatest supplier and demander of credit information. This paper provides 9 kinds of information such as credit reputation and operational performance, etc., and then suggests to build a comprehensive service system of credit information to facilitate the awarding credit decision, finance regulation, macro management and credit system construction.
出处
《金融研究》
CSSCI
北大核心
2005年第4期122-132,共11页
Journal of Financial Research
关键词
信用信息
信贷系统
统计契合
资源发掘
credit information, credit system, statistic match, resources discovery
