Needless to say , there are many challenging issues facing the working group . other key issues being considered include the mode of participation by authorized institutions , ownership and regulation of the ccra , and the scope of coverage of the scheme 工作小組確實(shí)要處理很多具挑戰(zhàn)性的事項(xiàng),其它正在研究的主要課題還包括:認(rèn)可機(jī)構(gòu)參與信貸資料庫的具體模式信貸資料庫的擁有權(quán)及監(jiān)管,以及信貸資料庫涵蓋的范圍。