欧盟成员国消费者信用信息数据跨境共享模式及实践

The Cross-border Sharing Model of Consumer Credit Information Data for EU Members and Its Practices

随着欧洲经济金融一体化的不断加深和欧元区跨境信贷市场的平稳发展,欧盟成员国探索出有效的消费者信用信息数据跨境共享模式。在分析欧盟国家征信行业架构的基础上,概括其多年的数据跨境共享实践经验,归纳出消费者信用信息数据跨境共享的可能模式和一般共识。

With continuously deepened integration of economy and finance in Europe and stable development of cross-border credit markets in the euro area,the EU members have explored an effective cross-border sharing model of consumer credit information data.Based on the analysis upon credit reference industry framework in the EU,cross-border data sharing experiences with many years summarized,hence drawing conclusion on the possible cross-border sharing models and the common sense for consumer credit information data.