公共信用信息开放机制研究

A Study of the Public Credit Information Opening Mechanism

我国社会信用建设存在严重的信用信息瓶颈,具体表现为:公共信用信息分散与垄断并存、价值缺乏认同、开放缺乏法律支持、管理手段落后及不受重视等。加快公共信用信息开放,有利于加快社会信用建设进程、实现其价值及提高信用信息质量、连接信用信息渠道。通过对公共信用信息开放实践的总结及开放机制的研究,应从重视信用信息价值、选择合理的开放形式、提供必要的政策和资金支持、制定相应的法律和行业标准、提高管理手段、扶持中介组织发展等方面来建立合理的开放机制,加快公共信用信息开放。

There exists serious public information bottleneck in China＇s social credit construction, which can be seen in its scattering as well as monopolizing, the disapproval of its value, its lack of legal support, its backward management, its negligence, etc. To accelerate the opening of public credit information is conducive to the construction of social credit system, realize its value, improve its quality, and connect the credit information channel. Our summarization of the opening practice of public credit information and research on its opening mechanism show that we should build a proper opening mechanism by stressing its value, choosing the proper opening way, offering the necessary policy and financial support, make corresponding laws and regulations, improving management, supporting the development of intermediaries to speed up the opening of public credit information.