摘要
本文基于对陕西省小额贷款公司接入征信系统的情况调查,发现小额贷款公司接入征信系统存在操作、监管、技术、法律缺失等风险,严重阻碍了其进一步的健康发展。建议从加快出台相关管理办法、明确职责划分、选择适合的接入方式、加强信用信息使用和安全管理、完善内部控制制度、强化自身电子化建设等方面防范和化解接入征信系统风险。
Based on the investigation on micro-credit companies＇ access to credit registry system in Shaanxi province, the paper finds that there exist such risks as operation, regulation, technique and lack of laws and so on, which seriously impede the healthy de-velopment of micro-credit companies. The paper thinks that such countermeasures should be taken as speeding up the establishment of related management measures, clarifying the responsibilities, choosing a suitable access way, strengthening the use and safety manage-ment of the credit information, perfecting internal control system, consolidating electronic construction to prevent and resolve the risks in accessing to the credit registry system.
出处
《西部金融》
2013年第11期77-79,共3页
West China Finance
关键词
小额贷款公司
征信系统
风险控制
micro-credit company
credit registry system
risk control
作者简介
郝嵘（1984.10-）女,汉族,河北康保人,硕士,经济师,现供职于中国人民银行西安分行.
