征信立法几个重大问题分析——以地方立法为考察对象

Analysis of Leading Issues in Credit Reporting Legislation-Conducting an Investigation into Local Legislation

我国地方征信立法在费用收取、民事责任、信用报告的效用、数据库的联动等重大问题上存在较大的分歧。为了确保规则有效实施,统一制定全国性的征信规范并对相关重大问题做出统一规定已经刻不容缓。

There is major contradiction in China＇s local credit reporting legislation in leading issues such as collection of charges,civil liability,utility of credit report,data linkage.In order to ensure the effective implementation of rules,it is imperative to enact rules for nationwide credit reporting and related issues.