个人征信放开后信用体系建设的难点和建议

Difficulties and Suggestions on the Construction of Credit System after Unlimiting Personal Credit Information Operations

2015年1月,中国人民银行印发了《关于做好个人征信业务准备工作的通知》,要求芝麻信用、腾讯征信等8家机构做好个人征信业务的准备工作。这标志着我国个人征信业务市场即将放开,个人信用体系建设作为行业发展的核心工作迫在眉睫。但是,法律法规不健全、征信数据采集和评估标准不统一、缺乏协调有效的监管机制以及失信成本低、惩戒机制缺乏导致社会信用意识较为淡薄等问题成为制约我国个人信用体系建设的难点。本文在借鉴美国个人信用体系建设经验的基础上,提出我国个人征信放开后个人信用体系建设工作的政策建议。

In January 2015, the People5 s Bank of China issued A Notice on the Preparation Work of Personal Credit Operations, requires Zhima Credit, Tencent Credit Bureau and other 8 agencies to be ready to conduct personal credit operations, which is the sym-bol of China5 s unlimiting the operations to the market, therefore, the construction of personal credit system as the core of the development ofthe industry is imminent. But laws and regulations are not perfect, credit data acquisition and evaluation criteria are not unified, coordinated and effective supervision mechanism and disciplinary mechanisms are not sufficient, and low credit costs cause the weak social credit consciousness. All of these problems have become the difficulty of restricting the construction of personal credit system in China. Based on the experience of American personal credit system construction, the paper puts forward the policy suggestions on the construction of personal credit system after unlimiting personal credit information operations in China.