本文選題：征信數(shù)據(jù)　切入點：商業(yè)銀行　出處：《河北大學》2012年碩士論文　論文類型：學位論文

【摘要】：歐美債務危機使信用風險再次成為全球金融市場震動的導火索，引起高度關注，由于金融危機的影響，，我國經(jīng)濟發(fā)展速度趨于放緩，中小企業(yè)經(jīng)營發(fā)展遇到困難，為防止重蹈西方經(jīng)濟發(fā)展的覆轍，國務院對制訂社會信用體系建設規(guī)劃作了重點部署，國內(nèi)各商業(yè)銀行在對遇到暫時性經(jīng)營困難的企業(yè)增加了信貸支持力度的同時，未雨綢繆紛紛提高對信用風險的管控力度，及時豐富管理信用風險的手段和工具。征信數(shù)據(jù)作為防范信用風險、降低貸前識別成本、提高貸后管理效能，解決中小企業(yè)融資難問題的有力工具，引起了國家金融管理部門和商業(yè)銀行的充分重視。 本文在對全國性征信平臺建立以來，我國商業(yè)銀行應用征信數(shù)據(jù)防范信用風險的經(jīng)驗進行總結的同時，借鑒國際征信體系發(fā)展經(jīng)驗，針對我國商業(yè)銀行應用征信數(shù)據(jù)提高風險管理能力過程中遇到的征信數(shù)據(jù)內(nèi)容、結構和采集手段與我國經(jīng)濟發(fā)展需求不匹配、商業(yè)銀行應用征信數(shù)據(jù)領域狹窄手段單一和征信相關法律體系不健全等問題，提出了相應的對策和建議。首先通過擴展數(shù)據(jù)來源，優(yōu)化征信數(shù)據(jù)結構、完善征信數(shù)據(jù)內(nèi)容，提高征信數(shù)據(jù)時效性、建立網(wǎng)絡數(shù)據(jù)自行申報平臺等方式，升級完善征信數(shù)據(jù)內(nèi)容、平臺和結構。其次通過拓展征信數(shù)據(jù)應用領域、發(fā)展征信數(shù)據(jù)雙向互動平臺、開發(fā)浮動授信管理工具、建設商業(yè)銀行征信相關預警工具、優(yōu)化信用評分模型、發(fā)展網(wǎng)絡授信平臺等方式，提高商業(yè)銀行管理信用風險和操作風險的能力和手段，最大限度的發(fā)揮商業(yè)銀行促進社會經(jīng)濟發(fā)展的作用，在做好風險控制的基礎上解決中小企業(yè)融資難的問題。最后通過規(guī)范我國隱私權的范圍，建設完善覆蓋征信信息采集使用全過程的法律體系，明確懲戒措施，杜絕美國征信體系中消費者付費模式所帶來的不良后果。
[Abstract]:The debt crisis in Europe and the United States has once again made credit risk the trigger of the global financial market shock, which has aroused great concern. Due to the impact of the financial crisis, the economic development of our country tends to slow down, and the small and medium-sized enterprises encounter difficulties in operating and developing. In order to avoid repeating the mistakes of western economic development, the State Council has made key arrangements to formulate a plan for the construction of a social credit system. While domestic commercial banks have increased credit support for enterprises experiencing temporary operational difficulties, Plan ahead of time to improve the control of credit risk and enrich the means and tools for managing credit risk in a timely manner. Credit information is used to guard against credit risk, reduce the cost of pre-credit identification, and improve the efficiency of post-loan management. The powerful tools to solve the financing problem of small and medium-sized enterprises have attracted the full attention of the national financial management department and commercial banks. This paper sums up the experience of using credit data to prevent credit risk in commercial banks since the establishment of national credit reporting platform, and draws lessons from the development experience of international credit reporting system. In view of the mismatch between the content, structure and collection means of credit information data in the process of applying credit information data to improve the risk management ability of Chinese commercial banks, it does not match the demand of our country's economic development. This paper puts forward the corresponding countermeasures and suggestions for commercial banks to apply the narrow means in the field of credit information and the imperfect legal system of credit information. Firstly, by expanding the data sources, optimizing the data structure of credit information and perfecting the content of credit information data, the author puts forward the corresponding countermeasures and suggestions. Improve the timeliness of credit information data, establish the network data self-reporting platform, upgrade and improve the content, platform and structure of credit information data. Secondly, develop the two-way interactive platform of credit information data by expanding the application field of credit information data. Develop floating credit management tools, build commercial bank credit related warning tools, optimize credit scoring model, develop network credit platform, and improve the ability and means of commercial banks to manage credit risk and operational risk. To maximize the role of commercial banks in promoting social and economic development, to solve the problem of financing difficulties for small and medium-sized enterprises on the basis of doing a good job of risk control. Finally, by standardizing the scope of privacy rights in China, To establish and perfect the legal system covering the whole process of collecting and using credit information, to make clear the disciplinary measures, and to put an end to the adverse consequences brought by the consumer payment model in the credit information system of the United States.
【學位授予單位】：河北大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.4;F224

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