我国区域性征信管理体系建设中存在的问题及建议

Problems in Establishing Regional Credit Management System and Suggestions

西方发达国家大部分都建立了成熟的社会信用征信管理体系。目前,我国的征信管理系统建设主要是十多个省、市、地区在各自行政区域范围内建立的区域性征信管理系统。作者在考察我国多个地区的征信管理系统建设的基础上,总结了尚存在由政府包揽、管理规章过于粗略、信用信息被垄断、把政府信用网站的数据等同于征信服务公司的数据、征信公司普遍亏损以及当成政绩工程建设等问题,并分析了造成这些问题的原因;最后,在借鉴发达国家相关经验的基础上,对建立征信管理体系的模式,信息公开和保护个人隐私及企业秘密,政府、征信公司和企业三方的关系等问题提出了建议。

Most developed countries in the west have institutionalized matured social credit management system.However,in present China,only a dozen of provinces,municipalities and regions have put in place a credit management system in their respective administrative areas.Through an investigation by the author into the credit management system in a number of regions in China,problems are found still existing,e.g.total government management,over-general regulatory rules,credit information monopoly,universal losses of credit companies and mistaking da-ta from government credit websites for those from credit service agencies and regarding credit management as achievement project.After the cause of these problems are identified and relevant experience drawn from developed countries,suggestions are made regarding credit manage-ment model,information disclosure and protection of personal privacy and enterprise business confidentiality,and interrelationship between gov-ernment,credit company and enterprise.