基层商业银行征信系统操作风险防控的思考

摘要

随着人民银行征信系统在金融市场的广泛应用，因操作风险引发的个人异议与风险案件影响着征信系统的安全运行。本文通过对征信系统操作风险的特点和表现形式进行阐述，剖析了当前基层商业银行征信操作风险防控工作中存在的问题，并对完善征信系统操作风险防控机制进行探讨。%Along with the wide application of PBC’s credit investigation system in financial markets, individual dissents and risk cases caused by operational risks have affected the safe operation of the credit investigation system. Based on elaborating the character-istics and the forms of operational risks of the credit investigation system, the paper analyzes problems existing in the current opera-tional risk prevention and control of credit investigation of grassroots commercial banks, and discusses the improvement of the mecha-nism of operating risk prevention and control of the credit investigation system.