当前央行非银行信用信息采集存在的问题分析

An Analysis on Existing Problems for the Central Bank Collecting Non-bank Credit Information

采集非银行信用信息作为企业和个人征信系统建设的重要工作内容之一,对扩大征信数据范围,提高征信产品质量具有重要意义。比较美国、欧洲和日本等国家非银行信用信息的采集情况,我国非银行信用信息采集机制存在诸多问题。我国征信体系非银行信息采集工作需要完善法律制度、加强机制建设,以利于工作的开展。

As one of the important tasks for constructing a corporate and personal credit information system, collecting non - bank credit information is of great significance for expanding, the scope of credit data and improving the credit quality of products. Compared with non - bank information collection situations in the United States, Europe and Japan and other countries, there are many problems in China＇s non -bank credit information collection mechanism. It＇s necessary for China＇s non -bank credit information collection system to improve the legal system, strengthen the mechanism construction so as to facilitate the work.