对搭建我国征信行业自律组织的路径思考

The Reflection on Ways of Establishing Self-discipline Organization of China’s Credit Reporting Industry

近年来,我国征信行业有了快速发展,目前通过中国人民银行备案的征信机构和评级机构分别近150家和120家。为更好地满足社会对信息服务产品多样化、多层次需求,促进征信行业运行效率提高、成本降低,作为优化市场监管的有效渠道,客观上亟需建立行业自律组织。本文通过研究社会行业自律组织内涵、发展障碍因素,借鉴国外征信业自律组织建设经验做法,对征信业协会构建路径提出相关建议和思考。

In recent years, the credit reporting industry in China has made rapid progress, and there are nearly 150 credit reporting agencies and 120 credit rating agencies respectively that have registered with PBC. To satisfy the needs for various information prod-ucts from the whole society, to promote the efficiency of the credit reporting industry and to lower the cost, as an effective channel to optimize the market regulation, it is urgent to set up a self-discipline organization of the credit reporting industry. At the beginning of 2017, the People＇ s Bank of China decided to establish China Credit Reporting Association. The paper studies the connotation of the industry self-discipline organization and development obstacles, learns from international experience and practice, and puts forward concerning suggestions and reflections on the establishment of the credit reporting industry association