关于加强商业银行征信监管的实践和思考——以中国人民银行拉萨中心支行为例

Practices in Strengthening Regulation of Commercial Banks' Credit Reference and Thinking ——A Case Study of Lhasa Central Sub-branch of the PBC

国务院授予中国人民银行管理征信业的职能,但目前我国征信监管还存在法律规章制度不健全、认识不到位、监管手段单一等问题。从中国人民银行拉萨中心支行对辖区商业银行的征信监管实践出发,加强对商业银行的征信监管,人民银行既要提高对商业银行征信监管必要性和重要性的认识,又要提高对商业银行的征信监管水平。

The State Council of China authorizes the PBC to perform the function of managing credit reference industry. However, there are still such problems for regulation of China＇s credit reference industry as imperfect laws and regulations, awareness not in place, the regulatory means being on a solo basis, etc. Starting from the practical regulation by Lhasa central sub - branch of the PBC over credit reference in terms with commercial banks in administrative areas in recent years, some proposals are made for strengthening regulation of commercial bank credit reference. It＇s necessary for the PBC not only to enhance the understanding of necessity and importance of regulation over commercial bank credit reference, but also to improve regulation over commercial banks credit reference.