信用监管中行政确认的模式及运用

The Norms and Application of the Administrative Confirmation in Credit Supervision

行政确认作为一种信用监管的方式,能够发挥提高监管效率、稳定监管秩序、化解监管纠纷等重要功能。监管活动与监管场景决定了信用监管中行政确认的运用不能局限于某一固定模式,而需要有多样化的安排。信用监管“单一主体确认”的适用情形具有局限性,“联合主体确认”的方式方法具有单一性。因此,需要重塑信用监管中行政确认的理论模式。将多个机关的联合确认、信用信息平台的数据评价、信用报告等新型确认手段作为适用形式、表意形式和实现方式的一种。它们经过组合变化,能够形成五种实践性较强的行政确认模式,不同模式适用不同的监管情景,监管主体应根据监管实践的需要灵活运用。

As a way of credit supervision,administrative confirmation can play an important role in improving supervision efficiency,stabilizing supervision order and resolving supervision disputes.The varied regulatory activities and scenarios determine that the administrative confirmation in credit supervision can not be restricted to a fixed norm,but needs a variety of arrangements.In practice,the application of"Single subject confirmation"in credit supervision is limited,and the application of"Joint subject confirmation"is unitary.Therefore,it is necessary to reshape the theoretical model of administrative confirmation in credit supervision.The joint confirmation of multiple agencies,data evaluation of credit information platform,credit report and other new means of confirmation are used as one of the suitable norms of application,signification and realization.The different combinations and variations of these application,signification and realization forms can develop into five more practical administrative confirmation norms;different norms are applicable to different regulatory scenarios;and the supervision bodies should apply these norms flexibly according to practical supervision needs.