个人信用报告查询中存在的问题与对策——基于马鞍山市个人信用报告查询量激增现象的调查

Problems for the Inquiry and Use of Personal Credit Report and Countermeasures——A Survey Based on the Surge of Personal Credit Report Inquiry in Ma'anshan City

目前,马鞍山市部分金融机构没有尽到征信信息提醒和告知的义务,部分金融机构员工对信用报告的解读存在知识储备不足的情况,对信用报告软、硬查询区分不清,一些居民缺乏信用保护意识。为此,应严格执行信用信息提示制度,提高员工素质,加大征信宣传力度,加强柜台查询基础设施建设和网点布局。

At present, some financial institutions in Ma＇ anshan city fail to follow the obligation to inform and remind the credit reference information ; the staff of some financial institutions lack of knowledge in interpretation of the credit reports with no clear distinction between soft inquiry and hard inquiry; some residents lack of credit protection awareness. Hence, we should strictly implement the credit information prompt system, improve staff quality, increase publicity of credit reporting, and strengthen infrastructure building of counter inquiries and network layout.