to establish a national-level credit information infrastructure that is assigned with the pooling of the immense amount of information scattered throughout various institutions in order to provide government institutions, businesses, financial institutions and overseas investors with information that has been processed to meet their specific needs.

The unsystematic distribution of diverse corporate credit information to various institutions, including financial institutions, guarantee funds and credit evaluation businesses, makes it difficult to use the information efficiently.

It is difficult to make a decision on credit loans and investments due to a lack of credit information on SMEs and the relevant data for evaluation.

The social cost is increased due to the information asymmetry.

It is necessary to develop objective and reliable models for the measurement of credit risks in order to cope with the New Basal Accord(Basel ii)