摘要
以信用卡发卡机构的风险管理引入市场化个人征信为研究对象,结合国内外实践,分析市场化个人征信的产品创新如何对信用卡风控产生促进作用,并结合中国的实际情况,提出市场化个人征信机构要通过征信产品的不断创新,更好地服务于信用卡风控的建模和开发,促进信用卡行业持续健康发展。
This article introduces marketized personal credit reporting as the researching object when discussing the risk management of credit card issuers.It analyzes how the innovation of marketized personal credit reporting products promote the risk control of credit cards by referring to the domestic and foreign practices.In addition,in combination with the circumstances of China,it is recommended that marketized personal credit reporting agencies should better serve the modelling and development of the risk control of credit card,and promote the sustainable and sound development of the credit card industry through the continual innovation of credit reporting products.
作者
田昆
赵若云
叶征
Tian Kun;Zhao Ruoyun;Ye Zheng(Baihang Credit Co.,Ltd,Shenzhen 518033,Guangdong,China;Talking Data Co.,Ltd,Beijing 100027,China)
出处
《征信》
北大核心
2019年第9期1-5,共5页
Credit Reference
关键词
个人征信
信用卡
风险管理
征信产品
personal credit reporting
credit card
risk management
credit reporting products
