我国征信业发展中存在的问题与对策

On the Problems in China's Reference Industry and the Countermeasures

目前我国的征信业还比较落后,距离市场经济发展的要求还很远。我国普遍存在的对信用状况掌握的不全面性和不充分性,在一定程度上导致了企业失信行为大量发生、社会交易成本增加和市场经济秩序的混乱。因此,建立与完善征信制度,促进我国征信业的健康规范发展,特别是金融征信制度的进一步完善,已成为维护市场秩序、促进经济发展的当务之急。法律缺位、信用数据的封锁、行业自律不足与执业技术规范不统一、社会信用环境不佳等已成为我国征信业发展中存在的主要问题和制约因素。建立与完善我国金融征信制度的初步框架为人民银行在金融信用建设初始阶段占主导地位,金融机构是金融信息体系的信息采集和最终使用者。

At present the reference industry in China is still relatively backward and falls far behind the requirement of market economy development. In China un-comprehensive and insuffixient information collection of credit condition result in mass loss of enterprises credibility increasing cost of social transaction as well as market economy disorder. Thereforethe urgent tasks are to establish and improve the reference system for promoting Chinese reference industry development healthily especially for the further development of financial reference system. In this article the writer argues that the legal omission blockade of credit datalack of self-management of trades non-unity of technological norms and unfavorable social credit condition have become main problems and restrictive factors in Chinese reference development. Thereforethe writer proposes the preliminary framework the People's Bank should play a leading role in the primary stage of financial credit meanwhile financial institutes are the collectors and end users of financial information system.