日本征信市场的特点及启示

The Characteristics and Enlightenment of Japan's Credit Reference Market

目前,我国征信业采取的是以市场化为主的发展模式,这与日本的征信发展模式在很大程度上有相似之处。分析日本征信市场发展的特点,认为我国应加快征信法律法规建设,鼓励发展市场化运作的民营征信机构,激活金融机构对于征信业的潜在需求,发挥行业协会的自律与带动作用等,以促进我国征信行业健康发展。

At present,the market-oriented development pattern is adopted for China＇s credit reference industry,which is,to a great extent,similar to the development pattern of Japan＇s credit reference. An analysis is made on the characteristics of Japan＇s credit market development,holding that China should speed up the construction of credit reference laws and regulations,encourage the development of private credit reference institutions on basis of market-oriented operation,activate the potential demand for credit reference industry from financial institutions,and exert the role of industry association in self-discipline and leadership,so as to promote the healthy development of China＇s credit reference industry.