Investigation Report On Service Requirement And Usage Of Credit System In Xiaogan City

In recent years,with economic development and gradual improvement of social credit reporting system,credit information system has played an important role in helping financial institutions to solve information asymmetry,improve loan efficiency and reduce business costs.At present,China's financial institutions mainly obtain credit information services through the People's Bank Credit Information System.With the changes in the business types and business philosophy of financial institutions,the banking financial institutions have put more demands on the credit information system.The service status of the credit information system,the existing problems and the diversified service demand of the financial institutions are not only the focus of academic circles,but also the key link in invigorating the financial markets and promoting the development of the national economy.Taking the service needs of financial institutions in Xiaogan city and its subordinate cities and counties as the starting point,on the basis of analyzing the background and significance of the selected topics,review the relevant literature on the construction of credit systems and the demand for financial services,and analyze the economic and credit information in Xiaogan City.The current status of system construction forms the overall understanding of the research area and facilitates the development of research work.A questionnaire survey was used to select 53 commercial bank branches,11 securities company sales offices,27 insurance company branch offices and branch companies,6 small loan companies,and 6guarantee companies.A total of 103 financial institutions conducted surveys.Based on a comprehensive analysis of survey data and data,it was found that the Xiaogan City credit information system currently satisfies the service needs of financial institutions only to a certain extent,and it has a wide range of information needs for financial institutions,information integration analysis needs,and information query and use convenience requirements.The requirements for affiliate companies' inquiries and the requirements for credit system management have not been met.The reason is that credit information systems have incomplete information,are not updated in a timely manner,have weak protection for credit entities,are inconvenient for platform operations,and lack a dynamic scoring system.Problems such as the incompleteness of the system modules,and the need to change this status,should not only improve the information collection,update,platform integration,and system management of the credit system,but also satisfy the diversified credit system service needs of financial institutions,and must also meet the needs of the Chinese economy.The actual situation,and constantly improve the construction of China's credit system.