对我国征信产品开发及创新的思考

随着计算机的普及和电信技术突飞猛进的发展，征信机构的信息产品也随之改进，开发出一些预测类信息产品，以及各种信用管理类软件。目前，我国已有的征信产品和服务与市场潜在需求还有巨大的缺口，征信产品开发和服务创新迫在眉睫。针对现阶段我国征信行业发展过程中征信市场供需不平衡、产品结构单一等问题，本文借鉴国外发达征信机构在征信产品开发上的经验，探索我国征信产品开发及创新的途径。

Consideration about exploitation and innovation of china's credit product

With the proliferation of computers and rapid development of telecommunications technology, the information products of credit institutions will also be improved, such as some types of forecast information products and various credit management software. At present, there is a huge gap between information products and services now we have and the potential demand of market. The exploitation of credit product and innovation of services is imminent. Response at credit market supply and demand imbalance, a single product structure and other issues in the development process of China＇s credit industry at this stage, this article wants to explore the development of China＇s credit information products and innovative ways from a view of foreign credit institutions＇ experience on the credit product exploitation.