| 何为征信？（下） |
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| 引用本文： | 万存知.何为征信？（下）[J].河南金融管理干部学院学报,2009,27(5):1-9. |
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| 作者姓名： | 万存知 |
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| 作者单位： | 中国人民银行征信管理局,北京,100800 |
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| 摘 要： | 征信在内涵上是指为防范信用风险而由第三方提供的信用信息服务；在外延上表现为第三方通过采集、整理、保存有关法人和自然人的信用信息即身份信息和全面的负债历史信息，利用信用登记报告、信用调查报告、信用评分报告、信用评级报告、信用管理咨询报告等方式，向放贷机构和其他有关各方提供的信息服务。
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| 关 键 词： | 征信 信用 债权债务关系 风险 信用信息 信息服务 |
What Is Credit Information？ （Part Two） |
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| WAN Cun-Zhi.What Is Credit Information？ （Part Two）[J].Journal of Henan College of Financial Management Cadres,2009,27(5):1-9. |
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| Authors: | WAN Cun-Zhi |
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| Institution: | WAN Cun - Zhi (Credit Information System Bureau ,the People Bank of China, Beijing 100800, China ) |
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| Abstract: | In connotation, credit information is the credit information services provided by third parties for the prevention of credit risk. In epitaxial, it is manifested as providing information services to the lending institutions and other interested parties on the part of the third party by collecting, sorting, and keeping the records for the credit information on the relevant legal and natural persons i.e. identity information and historical, comprehensive liabilities information, and by using credit registration statement, credit investigation report, credit scoring report, credit rating report, credit management consulting reports, etc.. |
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| Keywords: | credit information credit relationship between claims and liabilities risk information on credit in- formation services |
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