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论文编号：	3221
作者编号：	2120082610
上传时间：	2011/6/5 8:18:33
中文题目：	中国人民银行征信体系建设研究——以人民银行深圳中心支行为例
英文题目：	Study on Credit Reporting System Construction of the People’s Bank of China——The case of the People’s Bank of China Shenzhen Central Sub-branch
指导老师：	马连福
中文关键字：	征信体系 信用信息 信用评级 政策建议
英文关键字：	Credit reporting system Credit information Credit rating Strategic suggestion
中文摘要：	随着经济市场化程度的加深，加快我国社会信用体系建设已成为社会共识。作为社会信用体系建设的坚实基础和必要条件——征信体系的建设和完善就成为至关重要的一项工作。2003年，随着国务院“三定方案”明确赋予人民银行“管理信贷征信业，推动建立社会信用体系”的职责，中国人民银行（以下简称“人民银行”）正式开始承担征信体系建设工作。八年多来，人民银行征信体系建设工作在征信法律制度建设、征信系统建设、信用评级市场监管实践、征信宣传教育等方面取得了突破性的进展。 本文沿着人民银行征信体系建设的脉络，探讨分析了人民银行征信体系建设存在的问题，并试图提出有价值的建议。在列举了征信、征信体系的概念，概述了信息不对称、逆向选择和道德风险、信息共享、征信模式等相关征信理论基础后，本文首先介绍了人民银行征信体系建设的历程、现状以及现实功效评价；其次本文提出目前征信体系建设中存在的一些问题，并对问题成因进行了具体分析；再次，针对问题的提出，建议从积极推动征信体系法律法规建设、多途径推进非银行信用信息共享进程、加强征信产品创新、完善信用评级市场监管等几个方面改变问题的现状；最后本文以中国人民银行深圳市中心支行（以下简称“深圳人行”）征信体系建设为例，通过总结深圳人行征信体系建设的创新经验和模式，对解决征信体系建设存在的问题进行实践探讨。 本文认为，人民银行征信体系建设近几年取得了令人瞩目的成就，但仍存在一些阻碍征信体系发展的因素。其中征信法律体系的不完善是各阻碍因素产生的共同原因。因此应尽快出台征信行业基础法规，如《征信管理条例》，并从法律层面、行政法规层面、部门规章层面推动征信法律法规体系的建设，完善征信法律法规建设主要框架，进而为征信体系的建设发展提供制度保障。此外，本文还提出应将非银行信用信息采集和使用并重，推进非银行信用信息共享进程；提高数据管理技术水平和研发能力，促进征信产品创新；加强信用评级市场统一监管，构建信用评级违约率系统，完善征信监管体系等政策建议。政策建议的提出有助于推动人民银行征信体系建设。 本文通过讨论人民银行征信体系的现状和存在的问题，提出完善征信体系建设的建议，并结合深圳人行征信体系建设的特色，对解决征信体系建设存在的问题进行实践探讨。
英文摘要：	With the deepening of the economic marketization, it has become a social consensus to speed up the construction of social credit system. As a result, the construction and perfection of the credit reporting system, which is the solid foundation of social credit system, becomes critical. Ever since 2003, when the State Council endowed the People's Bank of China (PBC) with the responsibilities of "managing the credit investigation industry and promoting the establishment of social credit system", the PBC has officially started the construction of credit reporting system. Over the last eight years, the PBC has made great breakthroughs in developing the credit legal system, establishing the credit reporting system, implementing supervision practices, and promoting credit consciousness etc. This dissertation analyses the main problems facing the PBC in the credit reporting system construction and tries to put forward effective solutions. After an introduction about the basic concepts of credit and credit reporting system, the basic theories including information asymmetry, adverse selection and moral hazard, information sharing, and credit reporting modes, the dissertation firstly presents the history, the status quo and the efficacy evaluation of the credit reporting system construction of the PBC. Secondly, it lists the problems facing the PBC in the construction of the credit reporting system, and analyses their causes. Thirdly, it proposes several strategic suggestions on solving the problems in the aspects of perfecting credit legal system, promoting non-bank credit information sharing, encouraging the innovation of the credit products and strengthening the regulation of the credit rating market. Lastly, it takes the PBC Shenzhen Central Sub-branch as an example, describes the active exploration and innovation of the PBC Shenzhen Central Sub-branch in developing the credit reporting system, discusses the solutions to the problems existing in the construction of credit reporting system in practice. The dissertation argues that the PBC has made remarkable achievements in the construction of the credit reporting system in recent years, however, there are still some factors that hinder the development of the credit reporting system. The imperfection of the credit reporting legal system is the common cause of other hindering factors. Therefore, it is necessary to enact such fundamental laws and regulations as Credit Reporting Management Regulation as soon as possible, and improve the legal system to provide legal guarantee for the development of the credit reporting system. In addition, some other measures such as propelling non-bank credit information sharing process, promoting innovation of credit products and strengthening the supervision on credit rating market should also be taken. The strategic suggestions will help promoting the construction of the credit reporting system of the PBC. By discussing the status quo and existing problems of the credit reporting system construction of the PBC, the dissertation puts forward some effective strategic suggestions. Moreover, combining with the features and mode of the credit reporting system construction of the PBC Shenzhen Central Sub-branch, the dissertation discusses the solutions to the problems existing in the construction of credit reporting system in practice.
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