随着我国社会主义市场经济体制的逐步建立,如何更有效地加强金融监管,防范信贷风险,已成为经济金融界关注的热点。人民银行总行借鉴发达国家中央银行信贷登记系统的成功做法,从建立符合社会主义市场经济发展要求的银行信贷管理机制和风险防范体系的高度,组织开发、建设了具有中国特色的银行信贷登记咨询系统。这对我国提高信贷资产质量,加强金融监管和货币政策的制定与实施都具有十分重要的现实意义。一、建立银行信贷登记咨询系统的重要性首先,建立银行信贷登记咨询系统是防 With the gradual establishment of China’s socialist market economic system, how to strengthen financial supervision more effectively and prevent credit risk has become a hot issue in the economic and financial circles. Drawing on the successful practices of the credit register system of the Central Bank of developed countries, the PBC Head Office has organized the development and construction of a bank credit registration advisory system with Chinese characteristics from the perspective of establishing a bank credit management mechanism and risk prevention system that meet the requirements of the development of a socialist market economy . This is of great practical significance to our country to improve the quality of credit assets, strengthen the formulation and implementation of financial supervision and monetary policy. First, the importance of establishing a bank credit registration advisory system First, the establishment of a bank credit registration advisory system is a defense