征信和评级业的启示讲义资料.pptVIP

为什么需要引进适度竞争机制?征信和评级业的启示Why a market competition mechanism must be introduced： Experience from credit reporting and rating industries 三个分支行业的市场化环境Different market environments the three branch industries confronted with 行业 Industry Branches 产品市场情况 Type of Market 竞争情况 Competition 资信评级 Credit rating 政府主导、非正常市场 government leading，abnormal market 竞争白热化、无序 very sharp competition 企业征信 Business information reporting 政府没有介入，纯市场化 No government intervention，pure market 竞争比较激烈、行业自律 relatively sharp competition Self-discipline 个人征信 Consumer credit bureau 政府支持，准市场化 government support，semi-mar