对宜信公司而言，无法连入央行征信系统，只能借道银行，实属无奈之举。此次事件后，非银行机构所面临的央行征信系统接入问题再度引发社会关注。

To appropriate letter companies，Can't connected the central bank reference system，Can only borrow word bank，Really helpless raise。After the incident，Non-banking institutions facing the central bank reference system access problem reignite the social attention。

　　由于小额贷款公司等放贷机构数量多、分布广、额度小、人员少以及授信系统存在技术问题等原因，这些放贷机构并未与央行直接联网。

Due to the small loan companies, such as lenders quantity、Wide distribution、Line small、Personnel less credit system and existing technical problems and other reasons，These lenders and the central bank did not directly networking。

　　央行征信中心的一位内部人士8月16日告诉笔者：“目前，在上海地区只有商业银行和少数担保公司纳入了央行征信系统，小贷公司、P2P借款公司都还没有接入。”

The central bank reference center a source tells the author, aug. 16,：“At present，In the Shanghai area only commercial Banks and a few security company in the central bank reference system，Small credit company、P2P loan companies haven't access。”

　　多位业内人士近日呼吁，应将小贷公司、宜信这类P2P借款公司等民间机构尽早纳入央行征信系统。

Many insiders recently called for，Should the small credit company、Appropriate believe this kind of P2P loan company as soon as possible non-governmental organizations in the central bank reference system。

　　“这是一个老话题。我们小贷公司行业协会呼吁接入央行征信系统已有多年了，但上海地区到现在还没什么进展。而宜信公司属于为借款人和出借人提供小额贷款服务的平台，他们要纳入央行征信系统估计会更慢。”上海宝山宝莲小贷公司总经理李跃如说，央行征信系统接口应尽早对民间放贷公司开放。

“This is an old topic。Our small loan companies industry association called for access the central bank reference system for many years，But Shanghai is still no progress。And the appropriate letter for the company belongs to the borrower and the lender provides small loans service platform，They will into the central bank credit system will be estimated more slowly。”Shanghai baoshan the small credit company general manager LiYueRu said，The central bank reference system interface should be released as soon as possible to folk lending company open。

　　据悉，上海市金融办早在2009年就出台了《关于促进本市小额贷款公司发展的若干意见》，符合条件的小额贷款公司将有望纳入央行征信系统。但至今仍未成形。而重庆市、成都、浙江等地的小贷公司已被允许接入央行征信系统。

It is reported，Shanghai financial do as early as in 2009 issued《On promoting the city small loan company development certain opinions》，Meet the conditions of the petty loan company into the central bank is expected to credit reporting system。But still unformed。But chongqing、chengdu、Zhejiang, little credit company has been allowed to access the central bank reference system。

　　事实上，业内人士指出，对于小贷公司、P2P借款公司来说，要节省信审成本，提高信审效率，接入央行征信系统十分必要。

In fact，The personage inside course of study points out that，For small credit company、P2P loan for the company，Letter to save the cost of trial，To improve the efficiency of trial letter，Access the central bank credit system is very necessary。

　　宜信公司的创始人唐宁此前就对媒体表示，宜信需要借款人提供央行的资信证明，以证实自己的信用度。但是目前，在宜信借贷所产生的信用记录还不能被计入央行的征信系统，也就是说在宜信发生的拖欠行为不会影响个人在银行的信用。唐宁称，宜信在努力加入央行系统，但“这个事情一时半会儿实现不了”。

Appropriate believe the company's founder downing it media said，Appropriate letter need the borrower to provide the central bank's credit certification，To prove their credibility。But at present，In the appropriate letter lending generated credit records also cannot be included in the central bank reference system，That is the appropriate letter happened default behavior will not affect personal credit in the bank。Downing says，Appropriate letter trying to join the central bank system，but“The things a half while not achieve them”。

　　从事P2P借贷业务的上海汗青企业管理咨询有限公司总经理刘瑶近日也呼吁：“民间金融借贷行业要想迅速成长，纳入央行征信系统的问题不容忽视。因此对他们开放接口，怎么开，开多少都迫在眉睫。”

Engaged in P2P lending business of Shanghai historical records enterprise management consulting co., LTD., general manager LiuYao recently also called for：“Folk financial lending industry needs to want rapidly to grow，Into the central bank reference system should not be ignored。Therefore for they open interface，How to open，How many are open is imminent。”