服务金字塔底层征信体系建设国际研究

过去十年，征信在发展中国家发展迅速，但其服务对象主要集中在商业银行等正规金融机构，对主要服务低收入群体的小额信贷则重视不足。直到2010年底，印度爆发严重的小额信贷危机，征信在减少和预防低收入群体过度负债和信贷违约风险方面的作用受到国际社会的进一步重视。各国尤其是发展中国家应该加快探索适合本地区的金字塔底层①征信建设模式、加大对其支持力度，推动并鼓励在小额信贷组织之间建立信息共享机制，扩大现有征信机构的覆盖范围、降低小额信贷组织加入征信机构的成本和制度门槛，营造健康良好的社会信用环境。

An International Study on Construction of Serving Base-of-pyramid Credit Reference System

In the past decade, credit reference has gained a rapid development in developing countries, but its tar- get clients are mainly concentrated on such formal financial institutions as commercial banks, paying insufficient at- tention to microfinance services which are oriented to low-income groups. Further attention has not been paid yet by the international community to the role of credit reference in reducing and preventing against excessive debt and credit default risk regarding low - income groups until the outbreak of severe microcredit crisis in India by the end of 2010. It＇s necessary for various countries, especially the developing countries, to accelerate the exploration of the base-of-pyramid credit reference construction models suitable for the region, to intensify efforts to support, to pro- mote and encourage the establishment of information sharing mechanism among the micro - credit organizations, to expand the coverage of present credit reference agencies, to reduce the cost and institutional threshold for microfi- nance organizations to access to the credit reference agencies, so as to create a healthy and good social credit envi- ronment.