摘要
美国环联公司(TRU)是美国三大征信机构之一,各项业绩均居美国征信机构前列,表现出明显的竞争优势,其在征信业务发展方面的经验值得借鉴。通过深入研究环联公司的发展历程和主要业务,分析环联公司发展壮大的主要原因,从机构性质、盈利情况等五个方面与我国典型个人征信机构进行比较,提出对我国征信业发展的借鉴和启示。为了实现我国征信机构的快速发展,建议从加大技术研发投入、加快信息公开共享进程、强化深度监测研究、实施兼并收购战略等方面不断努力。
As one of the three major credit agencies in the United States, TransUnion(TRU)’s performance ranks the forefront among the credit agencies in the United States, showing obvious competitive advantages. Its experience in credit business development is worth learning. Through in-depth study of the development process and main business of TRU, this paper analyzes the main reasons for the development and expansion of TRU, and compares it with the typical personal credit agencies in China from five aspects, such as the nature of the agency and the profitability, and puts forward the reference and enlightenment for the development of China’s credit investigation industry. In order to realize the rapid development of China’s credit agencies, it is suggested to make continuous efforts from the aspects of increasing investment in technology research and development,accelerating the process of information disclosure and sharing, strengthening in-depth monitoring and research,and implementing merger and acquisition strategy.
作者
中国人民银行西安分行课题组
马小明
Research Group of Xian Branch of the People’s Bank of China(Xian Branch of the People’s Bank of China,Xi’an 710075,Shaanxi,China)
出处
《征信》
北大核心
2020年第7期66-73,共8页
Credit Reference
关键词
美国环联公司
征信
业务发展
征信机构
TransUnion
credit investigation
business development
credit agency
