中国征信体系建设指数的国际比较与借鉴——基于社会征信体系建设视角

International Comparison and Reference on China's Credit Information System Construction Index—From the Perspective of Social Credit Information System Construction

面对复杂多变的经济金融环境,世界各国普遍加快了征信体系建设的步伐。世界银行自2003年开始每年发布《全球商业环境报告》,通过法律权益指数、征信体系建设指数等系列指标来评估各国和地区的商业环境。本文依据世界银行《2012全球商业环境报告》的衡量标准,对中国征信体系建设进行指数分析,并与发达征信国家及新兴经济体进行比较,提出中国应进一步完善征信法律法规体系以提高法律权益指数,建立统一开放的信用信息数据库以提升征信体系建设指数,完善征信机构公司治理和内部管理机制以加强征信体系建设的组织保证。

Confronting with the complex and changeable economic environment, every country has accelerated the pace of credit system construction, Since 2003, the World Bank began to publish？ The Global Business Environment Report？ to evaluate the national and regional business environment through the legal rights index and credit system construction index. According to The？ 2012 Global Business Environment Report？ and the analysis of China~ credit system construction index, this paper suggests that China should further improve the credit system of laws and regulations in order to improve the legal rights index and establish a u- nified and open credit information database and promote the construction of credit index and perfect the governance of internal management mechanism.