对征信业及其发展的法律思考

Legal Thoughts to Credit Consultancy and Its Development

市场经济就是信用经济。随着市场经济竞争的日趋激烈,竞争地域的扩大、竞争对象的多样化以及政府管理中存在的种种问题,银企之间、企业之间、企业与投资者之间普遍存在着严重的信息不对称的问题。而应势而生的我国征信公司在我国社会信用体系尚未建立的条件下开展征信活动缺少相应的法律规制。本文从征信的特征入手,在就我国征信公司发展中存在的一些主要问题进行探讨的前提下,就我国征信业发展中存在的一些法律问题进行思考。

Market-oriented economy is credit economy. With the increasing keen competition of market-oriented economy, the expansion of competitive region, the diversity of competitive objects and the problems in the governmental administration, there exists serious problem of unsymmetrical information between banks and enterprises, enterprises and investors, and interenterprises. Relevant legal regulations are needed to develop credit research activities under the condition of our social credit system still not established.