促进我国征信业发展的几点立法思考

Legislation Thoughts on Promoting Development of Credit Reference Industry

由于理论界和实务界对我国征信业发展和征信立法遇到的诸多问题存在分歧,阻碍了我国征信体系的建设和信用立法工作的开展。为完善我国信用立法,促进我国征信业发展,应严格区分征信与贷款征信的内涵与外延,合理界定政府的法定职能,选择符合市场经济发展要求的企业和个人征信模式,通过立法积极推进政府信息公开,正确处理好企业信息公开与保护企业商业秘密的关系。

There are different views in theory and practice circles in terms of the credit reference industry development in China and the problems encountered during credit reference legislation, which hinders the construction of credit reference system in China and the credit reference legislation work. In order to improve credit reference legislation and to promote the development of credit reference industry, it＇ s necessary to distinguish strictly the connota- tion and extension of credit reference and credit loan, to define rationally the government~ statutory functions, to select the enterprise and individual credit information model meeting the market economy requirements, to promote actively government information disclosure through legislation, and handle correctly the relationship between corporate information disclosure and corporate business secrets protection.