摘要
基于全国征信数据,实证检验我国公共征信系统对贷款发放的具体影响,结果表明,我国公共征信系统的上线运行有利于金融机构的贷款发放,征信系统查询量的正向冲击会对贷款业务产生显著的促进作用。为充分发挥我国公共征信系统对于防范金融风险、促进贷款发放的基础性作用,需要继续完善我国公共征信系统的功能,扩大信用信息的共享范围,提升征信产品和服务水平,完善守信激励和失信惩戒机制。
The core of credit reporting function is to promote the rational and efficient allocation of financial resources, and then promote loan services to serve the economic development. Based on the national credit reference data, an empirical test is made on the specific impact of public credit reporting system in China upon loan extension, and the results show that on-line operation of China＇ s public credit reporting system is conducive to loan extension for financial institutions ; the positive impact of credit reference system queries can have a significant effect on the loan business. In order to exert the fundamental role of China＇ s public credit reference system into full play in preventing financial risks and promoting loan extension, it＇ s necessary to continuously improve China＇ s public credit reference system, expand the scope of credit information sharing, enhance the level of credit information products and services, and improve the trustworthy incentives mechanism and the dishonesty disciplinary mechanism.
出处
《征信》
2017年第8期18-22,57,共6页
Credit Reference
关键词
公共征信系统
金融机构贷款
征信产品与服务
征信功能
public credit reporting system
financial institution loans
credit reference products and services
credit reporting function
