Research On Construction And Operation Mechanism Of Credit Information Service System In Financial Area

Market economy is also credit economy and credit is the important base of economy operation. Acting as a kind of important information consult service, credit information service plays an important role in reducing information asymmetry and preventing credit risk. Based on research and practice of credit information service in financial area, this paper carried out research as follows.Credit is a multi-level concept, this paper defined credit on the base of research at home and abroad, and discussed the origin and characteristics of credit systematically. By analyzing the relationship between information and credit, this paper defined credit information and pointed that credit information could be valuable in credit trading. Then this paper discussed concepts about credit information service, the connection and difference between credit service and credit information service, and analyzed the basic principle, main content and act mechanism of credit information service, the pointed that the essence of credit information service was information consulting service and played important roles in every stage of financial service.The credit information service development of foreign experience enlightened China that the level of credit information service should be enhanced by making regulations, sharing information, giving vocational education on the base of country's reality. In financial area, credit information service was affected by marco politics and law, meso information resources acquisition and management and micro financial institutions risk appetite. Durging the credit information service system construction, we should adhere to the principles of organizing systematically, demand-driven, and construct the organization system, techonoly system, management system to get the general framework of credit information service system in financial area. This paper carried out demonstration study by selecting a commercial bank's credit information service system construction and testing the credit information service construction theory.This paper is made of eight chapters as follows:Chapter one is the introduction. On the base of introduing the research background, this chapter analyzed the theoretical and practial significance, generalized and evaluated the research status at home and abroad. Then the main research content, method and innovation of this paper were introduced generally.Chapter two is the basic theory of credit information service. On the base of discussing the concept and characteristic of credit, this paper discussed the orign and development of credit. Then this paper elaborated the relationship between credit and information, discussed the internal relation between them and gave the concept of credit information. How the credit information spread and circulated among credit subject was showed to clarify the value of credit information to the participants of credit trade. So the whole process of credit's emergence, transform and valve realization were clarified. Then the concept of credit information service was given for the financial area, and the differernce and relationship between credit service and credit information service were discussed to show the principle and content of credit information service. Then this paper analyzed the main function and mechanism of credit information service in different stages of financial area.Chapter three is comparative study of credit information service at home and abroad. By introduing the credit information service model of foreign countries, this paper analyzed the circumstances of credit information service construction, data collecting, organization regulation and market supervision in other countries. Then this paper introduced the origin and development of China's credit information service. This paper pointed that our country's credit information service has got good achievement, but still have the disadvantage of law and supervision system missing. At last this paper showed than our country's credit information service need to be improved and gave advice.Chapter four is the key factor analysis of credit information service in financial area. This paper discussed macro, meso and micro key factors for credit information service and constructed the model of key factors for credit information service to make good basis for our country's finanace and society development.Chapter five is credit information service system construction in financial area. This paper discussed the function, construction priciples and elements of credit information service construction. For the function, this paper pointed that credit information service should aim at the users'need, give information support for bank's new business type innovation, service level promotion and help banks to reinforce the customer management to optimizae the information resources. Credit information service construction should insist on the principles of organization systematically, demand-drived, relative optimum and rights protection. Then the system framework of credit information service was constructed on base of institution system, organization system, technology system and management system. Chapter six is operating mechanism of credit information service system in financial area. The formation, coordination and innovation mechanism of credit information service were discussed systematiclally. This paper pointed that the formation and construction of credit information service were mainly by administration guide and market drive and gave the dynamic model of credit information service. By analyzing the main aim of credit information service coordination, the coordination concept model was given and two important problems, the risk aversion and benefits distribution were introduced. Then this paper elaborated the basic process of credit information service innovation and divided the innovation into signal recognition, innovation decision and implementation. The innovation math was discussed and this paper analyzed the main direct of innovation from innovation dimension and direction, the the mechanism model of credit information service system construction was made.Chapter seven is empirical research of credit information service system construction. Taking Jilin Bank's credit information service system construction as example, this paper introduced the function design, program planning and management system construction and evaluated the plan and practice of Jilin Bank's credit information service system construction. The practice showed that the principles and method which this paper gave would be good to practice and could guide the design and development of bank's credit information service system construction.Chapter eight is conclusion and prospect. On the base of concluding this paper, the author elaborated the innovation and pointed out the problems to be resolved and the further research directions in the future.