建立企业和个人征信体系需要研究的几个问题IssuesNeedto.pptVIP

建立企业和个人征信体系需要研究的几个问题　Issues Need to be Studied for the Development of Credit Reporting System for Business and Individuals 戴根有 DAI Genyou 中国人民银行征信管理局局长 General Director, Credit Information System Bureau, PBC 2004/05/18, Shanghai, China 发展企业和个人征信，防范金融风险，促进经济增长Develop the Credit Reporting System for Business and Individuals to Promote Financial Stability and Economic Growth 降低商业银行的不良贷款 Reduce the NPLs of Commercial Banks 商业银行控制信用风险的制度支柱 Systematic Supporting Pillar for Credit Risk Control of Commercial Banks 解决中小企业融资难问题 Alleviate Financing Difficulties of SMEs 促进个人消费信贷业务的健康发展 Promote the health Development of Consumer Loans 促进个人消费持续健康增长，改善经济增长结构 Promote the Sustained Growth of Consumer Consumption, and Improve the Economic Growth Structure  建立企业和个人征信体系需要研究的几个问题(1)Issues Need to be Studied for the Development of Credit Reporting System for Business and Individuals(1) 1.关于征信概念的内涵与外延 The Concept and Coverage of Credit Reporting 2.征信体系建设应该从何处做起？ Where Should We Start? 3.如何平衡信息披露与隐私保护？ How to Balance the Need for Privacy Protection and Information Disclosure? 4. 如何看待企业商业秘密和信息使用问题？ Business Secret vs. Information Disclosure of Enterprises 建立企业和个人征信体系需要研究的几个问题(2)Issues Need to be Studied for the Development of Credit Reporting System for Business and Individuals(2) 5.如何突破目前征信业发展的信息瓶颈问题？ How to Break the Information Bottle Neck in Credit Reporting Business? 6. 如何规划我国征信机构体系总体框架？ How to Plan the Institutions Structure of Credit Reporting System? 7. 政府对征信市场究竟监管什么？ What Should Be Regulated in Credit Reporting Market? 8. 如何培育市场，以及政府在培育市场中的作用？ How to Create the Market Demand for Credit Reporting and the Role that the Government Should Play? 9. 征信业的标准化管什么？ What Should Be Standardized in Credit Reporting Business? * * *