在《征信业管理条例》施行十周年之际议“得”与“失”

Discussing“Gain”and“Loss”on the 10th Anniversary of the Regulation on the Administration of Credit Reporting Industry

《征信业管理条例》以法规形式明确了征信业的法律地位,定义了征信机构和征信业务的基本特征,规范了征信机构的业务操作方式,确立了征信监管部门和监管方式方法,取得了推动征信业健康发展的效果。作为亲历者,追忆该条例制定过程中难忘的人和事,列出了当初就该条例的多个版本征求意见稿提出的修改建议,包括金融与非金融征信、企业征信与个人征信等政策问题,以及发展财产征信、数据供应商等技术问题。

The Regulation on the Administration of Credit Reporting Industry clarifies the formation of credit reporting industry in China with the form of regulation,defines the basic characteristics of credit reporting agencies and credit reporting businesses,regulates the business operation of credit reporting agencies,establishes credit reporting supervisory authorities and supervision methods,and achieves the effect of promoting the healthy development of the industry.As a first-hand witness,the author recalls the memorable people and events in the legislative process of the Regulation,and lists the suggestions for changes made to the multiple versions of the Regulation that were initially put forward for comments,including policy issues such as financial and non-financial credit reporting,corporate and personal credit reporting,as well as technical issues such as the development of property credit reporting,and data providers,etc.