美国征信业发展和管理经验对我国的启示

Enlightenment for China from the U.S. Credit Reference Industry Development and Management Experience

从美国市场化运作的信用服务公司、完善的信用法律法规、有效的信用行业监管等方面,揭示现代征信业的发展方向。他山之石可以攻玉,我国征信体系发展的目标应当是通过健全法律法规在全社会范围内形成开放、透明和公平的信用信息共享机制,培育和鼓励市场化运作的征信企业的发展,强化政府对信用行业的管理等。

The development direction of modern credit companies run in a market -oriented way, perfect laws reference industry can be seen from the U.S. credit services and regulations for the credit reference, and effective industry supervision, etc. The U.S. experience provides us with a good reference. The goal to develop China~ credit reference system should be to form an open, transparent and equitable mechanism for credit information sharing through consummating legal and institutional context in the whole society, nurture and encourage the development of the market -oriented run credit reference enterprises, and strengthen the government＇s management of the credit industry.