如何实现信用信息共享_一个文献综述_李子健

20159200CＲEDITＲEFEＲENCENo．92015欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟欟SerialNO．2002015－07－011994—1979—、、、。———475004。、、、。、。C93F832．4A1674－747X201509－0037－05。。、。20041。。。Klein2001ConsumerCreditBureaus———、、2。。。。。60072020043。。、。、。。。。·73·【】———“”。。、、Powel、Mylenko＆Milleretal20044Barron＆Staten20035。。Jappelli＆Pagano19996。。Vercam-men19957。、thesocialplanner。n=7Vercammen1995。。、。Barron＆Staten20035。Pinheiro＆Moura20038。、。。、。、。Klein20012。———。。。、、。①。183099/1193457/Miller20043。·83·①1830。。1841。1934。、、。1932。【】———。14、。。8、Jappelli＆Pa-gano19996。。。、、。。PowellMylenko＆Milleretal20044。、、、、、、。1．Miller20041、。。90%90%、。。、。、。、、。。2．20109、。、、、。、、。。。3．。、。200620071011。·93·【】———Jappelli＆Pagano19996。。。。Brown＆Zehnder200512。Jappelli＆Pagano200013。80、201114。、Olegario200315。。201528．6。、。Jentzsch200816。Zhang＆Smyth200917。。、201118。“”、201119。、。。。。。2080。。。。、。·04·【】———。1·····．、A．·．C．2004309－330．2KleinD．CreditInformationＲeportingWhyFreeSpeechIsVitaltoSocialAccountabilityandConsumerOpportunityJ．TheIndependentＲeview200153325344．3·W．·S．．A．·．C．2004240－258．4AndrewPowellNataliyaMylenkoMargaretMillerandGio-vanniMajnoni．ImprovingCreditInformationBankＲegula-tionandSupervisionOntheＲoleandDesignofPublicCred-itＲegistriesＲ．WorldBankPolicyＲesearchWorkingPa-perNo．34432004．5BarronJ．M．andM．Staten．TheValueofComprehensiveCreditＲeportsLessonsfromtheU．S．ExperienceA．M．J．Miller．CreditＲeportingSystemsandtheInternationalE-conomyCBostonMITPress2003．6TullioJappelliandMarcoPagano．InformationSharinginCreditMarketsInternationalEvidenceＲ．Inter－Ameri-canDevelopmentBankWorkingPaper1999．7JamesA．Vercammen．CreditBureauPolicyandSustainableＲeputationEffectsinCreditMarketsJ．EconomicsNewSeries1995NovVol．62No．248461－478．8ACPinheiroA．Moura．SegmentationandtheUseofInfor-mationinBrazilianCreditMarketsA．M．J．Miller．CreditＲeportingSystemsandtheInternationalEconomyC．BostonMITPress2003．9．“”“”———《》J．20102138－143．10．D．2006．11．D．2007．12MartinBrownandChristianZehnder．TheEmergenceofIn-formationSharinginCreditMarketsJ．J．Finan．Inter-mediation201019255－278．13TullioJappelliandMarcoPagano．InformationSharinginCreditMarketsASurveyＲ．UniversityofSalernoandCEPＲCSEPWorkingPaper．NO．362000．14．20110735－44．15ＲowenaOlegario．CreditＲeportingAgenciesAHistoricalPerspectiveA．InMargaretJ．Miller．CreditＲeportingSystemsandtheInternationalEconomyJ．BostonMITPress2003．16NicolaJentzsch．AnEconomicAnalysisofChina’sCreditInformationMonopolyJ．ChinaEconomicＲeviewVol-ume19Issue42008537－550．17GuibinZhangandＲussellSmyth．AnEmergingCredit－ＲeportingSysteminChinaJ．ChineseEconomy2009Vol．42No．540－57．18．20111168－77．19．2011669－73．HowtoAchieveCreditInformationSharing———ALiteratureＲeviewLIZijianGENGDekeSchoolofEconomicsHe’nanUniversityKaifengHenan475004ChinaAbstractInformationsharingisthecoreproblemoftheconstructionofcreditinformationsystem．Basedontheproblemthepapersystematicallycombedtheresearchliteratureinthisfieldfromtheprincipleofcreditinformationsharingandthecarrierofcreditinformationsharing．Coordinatinginformationsharingandprivacyprotectiondesignofpositiveandnegativeinformationsharingstandardizinginformationsharingandprocessinginformationrecordingerrorarefourprinciplesofcreditinformationsharingtoface．Takingpublicandprivatepropertyasbreakthroughpointsomeresearchcomparedinternationalcreditratingagenciesonestablishobjectiveandoperationalcharacteris-ticsandexploredthecreditratingorganizationcultivationandMainlandChinacreditsystemconstruction．TheaboveresearchisofgreatsignificanceforpromotingtheconstructionofcreditsysteminChina．KeywordsCreditInformationSharingPrivacyProtectionPublicCreditAgenciesPrivateCreditCompanies·14·