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商业信贷资料服务机构致力于解决及非上市企业信贷资料缺失的问题。香港的实践证明,商业信贷资料服务机构的设立能够优化资源配置,使信用良好的企业更容易地获得经营所需的贷款资源;也有利于贷款机构更好地了解借款人的潜在还款能力,减轻对贷款抵押物的依赖;也有利于加强金融机构间的信息共享机制,控制不良贷款率的增长、降低金融机构的系统风险。不联不通:中国非上市企业信贷信息体系之症结非上市企业的有效信贷资料一直是降低银行不良贷款率、降低金融风险的关键,也是金融监管和企业信贷诚信建
Commercial Credit Information Services is dedicated to solving the problem of missing credit information of non-listed companies. The practice in Hong Kong has proved that the establishment of a commercial credit reference service can optimize the allocation of resources and make it easier for creditworthy enterprises to obtain the loan resources needed for their operations. It also helps lenders to better understand the borrower’s potential repayment ability, Reduce the dependence on loan collateral; also help to strengthen the information sharing mechanism among financial institutions, control the growth of non-performing loan ratio and reduce the systemic risk of financial institutions. Non-connection: the crux of China’s non-listed companies’ credit information system Effective credit information of non-listed companies has been the key to reducing the bank’s non-performing loan ratio and reducing financial risks. It is also the key to financial regulation and corporate credit integrity