个人征信市场化发展与创新监管机制探析

Discussion on Individual Credit Market Development and Innovation Supervision Mechanism

在消费金融、网络借贷、共享经济等互联网金融业务的催生下,个人征信的市场化发展是不可逆的浪潮。《征信业管理条例》规定对个人征信机构实行牌照管理,机构取得牌照方可准入个人征信市场。合理的牌照资质标准是开放市场“阀门”的前提,但是由于监管者能力不足,无法对即将进入该领域的机构实施有效监管,从而建立严格的准入门槛,致使当前个人征信牌照“难产”。对此,从监管者的角度切入,创新征信监管机制、提高监管者的监管能力,方是解决已快速起跑的市场化征信机构与突然急刹的监管态度之间这一根本矛盾的唯一途径。

The marketization of personal credit investigation is an irreversible trend.Because of the limitation of regulators’ ability,too high threshold of personal credit investigation has been set up,resulting in the stagnation of the development of personal credit investigation industry.From the perspective of regulators,this paper argues that the only way to solve the fundamental contradiction between the market credit investigation institutions which have started up quickly and the supervision attitude which suddenly breaks down is to innovate the credit investigation mechanism and improve the supervision ability of regulators.