征信体系建设与商业银行信用风险管理

商业银行是我国征信体系的主体,也是征信体系的主要受益者。由于我国社会征信体系缺陷,商业银行对客户的信用情况难以做到全面了解,在信用不对称的前提下进行授信决策,大大增加了商业银行的经营风险。因此,加强现代商业银行的征信管理,既是商业银行的社会义务,也是商业银行实施稳健经营、提高风险防范能力的重要保障。

Construction of Credit Information System and Credit Risk Management for Commercial Banks

Commercial banks are the main body in China s credit system and also the main beneficiaries from the credit system.Owing to the defects in China s social credit information system,it s hard for commercial banks to achieve a comprehensive understanding of the credit conditions of the customers.Decisions for credit-granting made under the premise of asymmetric credit have greatly increased the operational risks in commercial banks.Therefore,strengthening credit information management for modern commercial ban...