我国征信市场信息披露制度的完善——基于国内金融行业监管比较视角

Study on the Improvement of China's Credit Reporting Market Information Disclosure System:A Comparative Perspective of Domestic Financial Industry Regulations

征信信息系统作为重要的金融基础设施,其主要功能是解决金融市场的信息不对称问题。但由于征信市场信息披露制度的不健全,征信市场内部的信息不对称问题一直未得到有效解决。为切实维护征信消费者权益,强化征信市场培育引导,进一步健全征信市场信息披露机制成为关键。在全面梳理征信市场信息披露现状的基础上,以提高行业监管效率和监管质量为重点,通过与国内其他行业监管信息披露制度的比较,对征信市场信息披露的原则和内容提出了政策建议。

As an important basic financial infrastructure, the main function of credit reporting information system is to solve the asymmetric information problem of the financial market. However, due to the imperfection of the information disclosure system, the paradox of information asymmetry inside the credit reporting market is still obvious. It has become the key to further improve the information disclosure mechanism of credit reporting market in order to effectively safeguard the rights and interests of credit reporting consumers and strengthen the nurture and guidance of credit reporting market. By comprehensively combing the status quo of information disclosure of China’s credit reporting market, focusing on elevating the regulatory efficiency and quality, and comparing with the information disclosure systems of other domestic industries, this article puts forward policy suggestions regarding the principles and contents of credit reporting market information disclosure.