我国征信体系的经济分析与法制构建

Establishing Chinses Credit Reporting System: An Economic and Legal Analysis

信用征信可以有效降低金融交易中由于信息不对称而引发的道德风险和逆向选择问题,对金融乃至整个经济发展发挥重要作用。从理论研究和国际经验两个维度出发,探讨我国个人征信体系建立中面临的主要法律问题,指出需着重解决的问题。设计我国征信法律规范时,要注意在同时强化信息分享与隐私权保护的进程中,实现动态平衡,明确权利,界定范围。中央政府在建立信用征信体系中应当扮演主导但非排他性的角色,打破现存的行业和地域信息割据。

Credit reporting helps to reduce the severityof moral hazard and adverse selection arisen from information asymmetry in financial transactions. By means of theoretical and international comparative study, this paper explores the legal issues for China to establish its own individual credit reporting system and identifies several areas merit special attention. The law should enhance both information sharing and privacy protection, while at the same time strike a dynamic balance, through clearly setting up the scope of rights. Central government must play a leading yet non - exclusive role in forming the credit reporting system, and break the regional and sector information segregation now existing.