为了对借款人的信贷行为进行有效的监控,提高金融系统防范风险的整体能力,人民银行从1998年开始建设银行信贷登记咨询系统(以下简称《系统》),至2000年底,该系统已实现了全国联网。然而,从近几年的运行和使用情况看,该系统尚未取得预期效果,尤其是在县级金融机构间的利用状况更不理想。本文仅以吉安县为例,对该系统运行中存在的问题,提出改进和完善的对策设想。 In order to effectively monitor the borrower’s credit behavior and improve the overall ability of the financial system to guard against risks, the PBC started to establish a bank credit registration and consultation system (hereinafter referred to as “system”) from 1998 and by the end of 2000, the system had realized National network. However, judging from the operation and use of the system in recent years, the system has not yet achieved the expected results. In particular, the utilization of funds at county-level financial institutions is even more unsatisfactory. This paper only takes Ji’an County as an example, and puts forward some suggestions on improving and perfecting the existing problems in the operation of the system.