关于粤港澳大湾区建立征信合作机制的思考

Reflections on Establishing a Credit Cooperation Mechanism in Guangdong-Hong Kong-Macao Greater Bay Area

随着粤港澳大湾区经济融合发展不断深化,市场主体对信用合作的需要越发凸显,粤港澳三地有必要在信用方面通过合作实现优势互补。目前,粤港澳大湾区要建立征信合作机制还存在诸多障碍,如三地对个人信息立法保护力度不同、内地严监管模式下广东征信市场驱动力不足、信息跨境流动缺乏足够的制度支撑等。为促进大湾区跨境信息流动,打造独树一帜的大湾区征信合作体系,有必要从加强个人信息保护、重塑监管思路以及完善数据跨境流动立法等方面着手。

Market body calls for the improvement of credit cooperation in the process of further economic integration of Guangdong-Hong Kong-Macao Greater Bay Area.Advantages complementary in credit cooperation is a must in this area.Some problems are discussed,such as legislative protection of personal information,market driving force of Guangdong credit market,and institutional support for cross-border date flows.The authors address the gap by means of building unique credit reference system in regard to personal information protection,regulatory approach and legislation of cross-border date flows.