地方公共信用信息平台建设模式选择探析

Study on the Mode Selection of Local Public Credit Information Platform Construction

我国已建成商业征信、金融征信、行业征信和地方公共联合征信并存的社会征信体系,其中地方公共联合征信为我国特有的征信模式。在现阶段商业征信、金融征信尚不能满足全社会信用服务需求,且全国统一信用信息平台建设尚难启动的情况下,开展地方公共信用信息平台建设十分必要。地方信用信息平台建设主要有政府主导运营、市场化运营等投资运营模式和省级统一、省市两级、省市县三级等数据征集模式。综合分析各模式的优缺点,建议地方公共信用信息平台选择政府主导运营的省市两级数据征集的建设模式。

A social credit information system has been built by combining commercial credit reporting,financial credit reporting,industry credit reporting and local public joint credit reporting in China,in which the local public joint credit reporting is China＇s unique mode of credit information system. At the present stage,commercial credit reporting and financial credit reporting still cannot meet the needs of the whole society in credit information services,and a unified national information platform for credit reporting is still difficult to start construction under the circumstances,it is necessary to conduct the construction of local public credit information platform. There are two investment and operation modes for constructing local credit information platforms,i. e. government-led operation and market-oriented operation,and three data collection modes,i. e. provincial unified collection mode,province-city two-level collection mode,and province-city-county three-level collection mode. After a comprehensive analysis on the advantages and disadvantages of each mode,the paper proposes to select the government-led,province-city twolevel data collection mode for constructing local public credit information platform.