完善我国个人信用社会征信体系的对策探讨

Countermeasures for Improving Social Credit Reference System of Individual Credit in China

我国个人信用社会征信体系存在法律法规不健全,监管体系和监管机制不完善,行业自律机制和专业人才匮乏,个人信用资料不全,信用数据开放渠道不通畅,缺乏科学、统一的个人信用评价机制等问题,借鉴发达国家的经验并结合我国实际,提出了完善立法、加强行业监管和行业自律、加大专业人才培养力度,健全信用资料和完善个人信用评价机制等建议。

There are many problems for the social credit reference system of personal credit in China, such as inade-quate laws and regulations, imperfect regulatory system and mechanism, lack of industry self-regulation mechanism and professionals, incomplete personal credit information, unsmooth access channel for credit data, and absence of scientific and unified personal credit rating mechanism. Learning from the experiences in the developed countries and taking full account of China＇s actual conditions, the paper mgkes some proposals such as improving legislation, strengthening industry regulation and self-discipline, intensifying professionals training, improving credit informa-tion, and perfecting individual credit evaluation mechanism.