如何实现信用信息共享?——一个文献综述

How to Achieve Credit Information Sharing?——A Literature Review

信用信息共享是征信系统建设的核心问题。从信用信息共享的原则和信用信息共享的载体两个方面,系统梳理该领域的研究文献,认为协调信息共享与隐私保护、安排正负面信息是否共享、规范信息共享的限度、处理信息记录差错是信用信息共享面临的四个原则问题。以公共与私营属性为切入点,对国际征信机构的建立目的、运行特征等进行系统比较,并探讨征信组织的培育以及中国的征信系统建设,以期对完善我国征信系统有所借鉴。

Information sharing is the core problem of the construction of credit information system. Based on the problem , the paper systematically combed the research literature in this field from the principle of credit information sharing and the carrier of credit information sharing. Coordinating information sharing and privacy protection, design of positive and negative information sharing, standardizing information sharing and processing information recording error are four principles of credit information sharing to face. Taking public and private property as breakthrough point , some research compared international credit rating agencies on establish objective and operational characteris-tics, and explored the credit rating organization cultivation and China's Mainland credit system construction. The above research is of great significance for promoting the construction of credit system in China.