| 完善我国个人征信体系防范＂人人贷＂中的信用风险 |
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| 引用本文： | 张金艳. 完善我国个人征信体系防范＂人人贷＂中的信用风险[J]. 河南金融管理干部学院学报, 2013, 0(3): 35-38 |
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| 作者姓名： | 张金艳 |
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| 作者单位： | 中原工学院,河南郑州,450007 |
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| 摘 要： | 结合我国“人人贷”的发展现状及主要模式,分析我国“人人贷”存在信用风险的原因,认为应从完善法律制度、健全组织机构、加强征信监管等几个方面完善我国个人征信体系,以防范“人人贷”领域的信用风险。
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| 关 键 词： | 个人征信体系 人人贷 信用风险 征信监管 |
Improving China' s Personal Credit Reference System to Prevent Credit Risks in the Field of Peer to Peer |
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| ZHANG Jinyan. Improving China' s Personal Credit Reference System to Prevent Credit Risks in the Field of Peer to Peer[J]. Journal of Henan College of Financial Management Cadres, 2013, 0(3): 35-38 |
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| Authors: | ZHANG Jinyan |
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| Affiliation: | ZHANG Jinyan (Zhongyuan University of Technology, Zhengzhou , Henan 450007, China ) |
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| Abstract: | Combined with the status quo of the development of ＂Peer to Peer＂ and its main modes, the paper makes an analysis on the reasons for the existing credit risks in it, pointing out the main problems for China＇ s personal credit reference system, and then making specific recommendations for a perfect personal credit reference system in China from such aspects as improving the legal system, improving the organizational structure, strengthening credit reference regulatory, etc. so as to prevent credit risks in the field of ＂Peer to Peer＂ in China. |
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| Keywords: | personal credit reference system ＂Peer to Peer＂ credit＇ risk credit reporting regulation |
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