我国征信业的市场化发展及有限监管——对《征信业管理条例》的解读

The Market-orientation Development and Limited Supervision of Credit Reference Industry in China——Interpretation of Regulations on the Administration of Credit Reference Industry

《征信业管理条例》的出台为我国征信业确立了有限监管下的市场化发展方向。依靠市场机制对主体及其行为的激励约束,实现信用信息的最优化采集、保存和使用;通过必要的监管措施预防和纠正市场化机制的不足,保护信息主体合法权益。在有限监管和市场化机制的共同作用下,实现征信业的健康、快速发展。

The promulgation of Regulations on the Administration of Credit Reference Industry in China has determined the market-orientation development direction of our credit reference under limited supervision. The incentive and restraint of market mechanism on participants and their behavior contributes to optimizing the acquisition, storage and use of credit information; and the necessary regulatory measures can prevent and correct the deficiencies of the market-orientation mechanism and protect the legitimate rights and interests of information participants. Under the joint action of limited supervision and market-orientation mechanism, the healthy and rapid development of the credit reference industry will be achieved.