双轮驱动框架下我国个人征信行业发展对策研究——基于百行征信的观察

Study on the Development Strategies of China's Consumer Credit Reporting Industry under the Government plus Market Double-wheel Driving Framework: An Observation Based on Baihang Credit

党的十八届三中全会提出"建立健全社会征信体系"。2014年6月14日国务院正式发布的《社会信用体系建设规划纲要(2014—2020年)》,作为首部国家级社会信用体系建设专项规划,对信用建设提出一系列任务。个人征信是社会各类经济活动的基础,对构建社会信用体系具有十分重要的意义。以百行征信的发起设立为背景,梳理我国个人征信行业的发展历程和当前面临的问题,分析"政府+市场"双轮驱动框架下百行征信具备的优势和面临的挑战,并提出进一步完善个人征信制度环境、加快百行征信内外部融合、加强个人征信监管、加大在社会诚信领域布局等政策建议。

The Third Plenary Session of the 18th Central Committee of the Communist Party of China puts forward the idea of establishing and completing China’s Social Credit System. The State Council issued on June 14, 2014 the Planning Outline for the Construction of a Social Credit System (2014-2020), a first special plan of the state level on the construction of a social credit system, formulating a series of tasks for credit construction. As the basis for the all kinds of economic activities of the society, consumer credit reporting plays an important role in constructing the social credit system. Taking the launch and set-up of Baihang Credit as the background, this article combs the development histories of China’s consumer credit reporting and the current problems, and analyzes the advantages and challenges of Baihang Credit under the“government plus market” double-wheel drive framework. In addition, it puts forwards policy suggestions, such as further improving the system environment for consumer credit reporting, accelerating the internal-external integration of Baihang Credit, strengthening the regulation on consumer credit reporting, and increasing the layout in the social credit industry, etc.