对海南个人信用征信规则的评析——兼论我国征信管理部门的选择

Comments on the Administrative Measures for Personal Credit Information Collecting in Hainan

海南个人信用征信规则将个人资产信息作为须经被征信人书面同意方可采集的个人信用信息,并设置守信激励机制,对我国征信立法具有参考价值。我国可探索建立中央单头、地方双头的征信管理格局,由人民银行负责全国的征信监管,并由人民银行在地方的分支行与当地专门管理部门共同监管当地的征信活动。

The Administrative Measures for Personal Credit Information Collecting in Hain- an provides valuable reference for the legislation of the national standards in treating personal assets information as personal credit information which can be collected only after written consent granted, and establishing an incentive mechanism for encouraging people to keep good faith. It is regarded to be scientific and rational that the PBC take the responsibility to regulate the overall activities of credit information collecting on national level and it regulate the local activities of credit information collecting with the local specialized agencies.