摘要
本文的目的是讨论如何利用征信体系中的公共信用信息系统(PCR)服务于新巴塞尔协议意义下的商业银行资本监管。首先,基于历史经验和操作实践,肯定了PCR能够有效地服务于资本监管。其次,指出利用PCR服务资本监管的立足点应该是检验。提出了利用PCR进行资本监管的工作思路图,在总结3个国家的经验的基础上,给出了具体的操作步骤。最后,从资本监管的角度提出PCR应该包含的最小信息集。
The paper aims systematically at investigating how to use public credit registry （PCR） to serve capital regulation of banking system under Basel II. Based on historical evidence and real practices, it is proved that PCR can serve the purpose. It is also pointed out that PCR mainly acts as a validation tool in capital regulation. The roadmap of using PCR as a checking tool is figured out, together with concrete steps to realize its validation purpose specified in details generalized on the experiences of three countries. Some suggestions for the minimum information set that should be included in PCR are also offered.
出处
《财经论丛》
CSSCI
北大核心
2008年第6期43-49,共7页
Collected Essays on Finance and Economics
基金
国家社会科学基金资助项目(05CJL003)
关键词
征信体系
公共信用信息机构
新巴塞尔资本协定
资本监管
credit reporting system
public credit registry
new Basel capital accords capital regulation
