对人民银行征信诉讼风险防范的法律思考

Legal Thoughts on the Risk Prevention of the PBC Credit Reference

近年来,征信涉诉案件给人民银行带来了较大的法律风险和舆论风险,包括行政处罚、信息查询和行政监管等环节出现的各类风险,危害了征信系统的权威性和公信力。因此,应加强"法治央行"建设,充实征信法律人才建设,加强征信法制宣传教育,正确对待征信诉讼风险,提高征信应诉能力,维护人民银行良好形象。

In recent years, the People＇ s Bank of China （PBC） has been confronted with a greater legal risk and public opinion risks caused by credit reference litigation-involved cases, including various risks in such aspects as administrative punishment, information inquiry and administrative supervision, which has endangered the authority and credibility of credit reference system. Therefore, we should strengthen the construction of ＂the legal governance of the central bank＂ , enrich the construction of legal talents of credit reference, enhance the credit legal education, correctly treat the litigation risks of credit reference, and improve the capacity of response to litigation for credit reference, so as to maintain a good image of the People＇ s Bank of China.