小额贷款公司接入征信系统进度缓慢的原因及对策建议以吉林省延边州为例.docxVIP

小额贷款公司接入征信系统进度缓慢的 原因及对策建议一一以吉林省延边州为 例 中国人民银行延边州中心支行 摘要： 近年来，延边州小额贷款公司注册经营户数稳步增长，为满足社会小额融资需 求起到了积极作用。为支持小额贷款公司进一步可持续健康发展，2013年人总 行下发《中国人民银行办公厅关于小额贷款公司和融资性担保公司接入金融信用 信息基础数据库有关事宜的通知》（银办发［2013145号），从制度上明确了小 额贷款公司接入征信系统的模式和流程，为小额贷款公司接入央行征信系统提 供了制度依据。据调查，小额贷款公司接入征信系统虽然有了制度保障，但实际 操作中仍存在不少问题，导致接入进度缓慢，影响了征信系统数据库的完整性 和社会信用体系建设的发展。本文以我州信用体系建设中存在的问题为例，剖析 了小额贷款公司接入央行征信系统屮存在的问题。希望个人的一番浅见，能够对 信用体系建设产生一定的帮助。 关键词： 小额贷款公司;征信系统;对策建议; 作者简介：金美玉，女，中国人民银行延边州中心支行。 The Reasons and Countermeasures of the Slow Progress of the Credit System for Small Loan Companies Taking Yanbian State of Jilin Province as an Example JIN Meiyu Abstract： In recent years, the number of registered operating accounts of small loan companies in Yanbian has increased steadily, which has played an active role in meeting the needs of social microfinance. To further support the sustainable and healthy development of small loan compelnies，2013 the peoples Bank of China issued a Notice of the general office of the people s Bank of Chinese related matters on the small loan companies and financing Guarantee Corporation access to financial credit information databasez，(silver office [2013]45) , from the system clear access to the cred it system of small loan company mode and procedure the sys tem provides the basis for access to central bank credit system of small loan companies. According to the survey, although there are institutional guarantees for small loan companies to access credit reporting system, there are still many problems in actual ope rat i on, resul ting in slow access process, the in tegrity of cred it infonnei tion sys tem dat abase wind the development of social credit system. In this paper, the problems existing in the construction of the credit system in our state are taken as an example to analyze the problems existing in the small loan companies access to the central bank credit system. I hope that a little personal view can help the construetion of the credit systcm. Keyword： Microfinance Company;