美国金融监管改革法案对征信业的影响及对我国的启示

Influence of U.S. Financial Regulatory Reform Bill on the Credit Reference Industry and Implications for China

金融危机发生后,世界各国对本国金融体系脆弱性有了更为深刻的认识,作为危机发源地的美国也开始反思危机的根源并积极寻求防范和补救的政策措施。2010年,美国颁布了一系列金融监管改革法案,其中一些政策措施对美国征信业的发展带来积极的影响,并引发国际征信业发展更多的启示。从金融监管改革法案中征信业相关内容入手,从个人征信权益保护和信用评机构监管方面的政策变化深入思考中国征信管理的未来发展。

After the financial crisis of 2008, the vulnerability of the domestic financial system has deserved more profound understanding in various countries in the world. The United States that is the birthplace of the crisis began to reflect on the causes of the crisis, and attempted to seek policies and measures for prevention and remediation. A series of financial regulatory reform bills were enacted in the United States in 2010, among which some policy measures have had a positive impact on the development of the U. S. credit reference industry, illustrating enlightenment for international credit reporting industry. Viewed from the contents related to the credit industry about the financial regulatory reform bill, and viewed from the policy changes in personsal credit rights protection and in the regulation of credit rating agencies, the paper explores deeply the future development of the credit reference management in China.