由新版行业分类引发的征信业分类思考

Reflections on the Classification Standard for Credit Reporting Industry Triggered by the Latest New Edition of Classification of National Economic Industry

目前,政府部门、标准化组织、学术机构、征信机构关于征信业分类标准不尽相同,但各方对征信业分类具有主体、层次、场景和性质四个维度的内在一致性。征信业分类存在如下主要特征:政府与市场相关主体缺乏协调,征信业分类体现机构的定位与立场,国内征信业原有标准滞后严重。因此,应建立健全全国性征信行业领导机构和社会团体,确立国家征信业通用基础分类标准,加强征信业分类标准的宣传和应用。

Currently,government departments,standardization organizations,academic institutes,and credit reporting agencies have different standards for the classification of credit reporting industry,but they demonstrate inherent consistency in the four dimensions of subject,level,scenario,and nature in their classification methods.The classification of the credit reporting industry has some characteristics:the lack of coordination between the government and the related market subjects,the classification reflecting the institutions’orientation and position,and the original standard of the domestic credit reporting industry lagging far behind.Therefore,we should establish and improve the national leading institutions and social organizations of credit reporting industry,set common,basic classification standard for credit reporting industry,and strengthen the publicity and application of classification standard.