建设发达的中国征信业市场

Constructing a More Developed Credit Reporting Market in China

社会信用体系建设是国家治理体系和治理能力建设的重要基础。目前,征信系统已成为中国重要的金融基础设施之一,中国需要建立一个发达的征信市场,让市场化的征信机构起主导作用。在推进社会信用体系建设过程中,政府应该推动政务信用信息的公开,尤其是负面信息的公开。此外,政府还应高度重视对信息主体权益的保护。

Constructing a credit reporting system is an important foundation of national governance.Credit reporting is already an important part of Chinese financial infrastructure,but China needs to build a more developed market for it,led by market-oriented credit agencies.The government should also open its credit information to the public,especially information that calls into question the creditworthiness of a given borrower,as part of the drive to improve credit infrastructure.At the same time,it should strongly emphasize the protection of individual information.