对个人征信系统数据质量制度设计的思考——基于三则案例的分析

三则案例表明，部分金融机构违规冒名贷款、违规修改个人信用信息等行为，对征信系统的建设造成了不良影响。今后，应敦促金融机构加强内部管理，并完善异议数据处理制度，建立个人征信数据质量分析系统，切实加强数据监管的长效机制建设等，以便从根本上防范和解决现存的虚假数据问题。

Considerations on the Data Quality Institutional Design of Personal Credit Information System ~On the Basis of an Analysis of Three Cases

The three cases show that such illegal doings done by some financial institutions （FI） as bogus loans with violation and modifying personal credit information with violation, have had a negative impact on the construction of credit information system. In future, itg necessary to urge FIs to strengthen internal management and improve their data processing system for opposition data, to establish personal credit data quality analyzing system, and to strengthen long - term mechanism for data monitoring, so as to fundamentally prevent and solve the existing problem of false data.