摘要
《征信业管理条例》正式实施,意味着我国征信市场步入规范发展阶段,而对于商业银行的征信监管来说,也面临着许多新的挑战。基于因子分析模型,分析征信业务规则、异议处理、金融信用信息基础数据库和法律责任等方面对商业银行经营及监管的影响,提出对商业银行征信高效监管的对策建议,以期为相关决策提供参考。
The formal enactment of ＂Regulations on Administration of Credit Reference Industry＂ means that China g credit reference market has stepped into the regular development stage, and many new challenges are also con- fronted with commercial banks credit reference monitoring. Based on factor analysis model, an analysis is made on the impact of business rules, objection handling, financial credit information database and legal liabilities upon com- mercial banks＇ operation and regulation, proposing countermeasures and suggestions for efficient regulation on com- mercial banks credit reference so as to provide reference for the relevant decision -making.
出处
《征信》
北大核心
2013年第12期23-27,共5页
Credit Reference
关键词
《征信业管理条例》
商业银行
征信监管
影响因素
＂Regulations on Administration of Credit Reference Industry＂
commercial bank
credit reference reg-ulation
influencing factors
