治理我国“征信修复”乱象的几点思考

Some Thoughts on Governing the Chaos of“Credit Investigation Repair”in China

随着我国现代征信体系建设的逐步完善,征信产品与服务供给持续扩大,应用场景日益丰富,征信行业的公信力不断提升。与此同时,“征信修复”“逾期铲单”等欺诈骗局在全国各地时有发生,严重损害了人民群众切身利益,影响了我国征信体系建设的客观公正,也给征信业监管带来了新的风险和挑战。对“征信修复”乱象的产生原因进行系统分析,在借鉴美国等征信业发达国家相关经验的基础上,建议采取强化信用意识培育、加强征信合规监管、完善联合整治机制等措施,对“征信修复”等乱象进行源头治理和风险防范,切实以“征信为民”理念增强人民群众在征信领域的幸福感和安全感。

With the gradual improvement of the construction of modern credit information system in China,the supply of credit information products and services continues to expand,the increasingly rich application scene,and the credibility of the credit information industry continues to improve.At the same time,“credit investigation repair”and“overdue shovel bill”and other fraud schemes have occurred from time to time throughout the country,which seriously impair the immediate interests of the people,affect the objective and fair construction of credit investigation system in China,and also bring new risks and challenges to the supervision of credit investigation industry.A systematic analysis is made on the causes of the mess of“credit repair”,in reference to the United States and other credit reporting industry developed countries,on the basis of relevant experience,and suggestions to strengthen the credit consciousness cultivation,strengthen the supervision of credit reporting compliance and improve the joint regulation mechanism,the“credit repair”chaos such as governance and risk prevention,for“credit reference for the people”concept to enhance the happiness and security sense of the people in the field of credit investigation.