我国信用服务业分类规制研究  

Research on the Classified Regulation of China’s Credit Service-providing Industries

作　　者：王伟 熊文邦 Wang Wei;Xiong Wenbang(Department of Political Science and Law,Party School of the Central Committee of C.P.C,Beijing 100091,China)

机构地区：[1]中央党校政法部

出　　处：《征信》2019年第12期9-16,共8页Credit Reference

摘　　要：现代市场经济是信用经济,信用是促进市场经济有序运行的润滑剂,两者紧密相连。信用服务业作为社会信用体系建设的重要环节,其成熟与否是衡量我国信用经济发展程度的重要标准。改革开放四十多年来,我国信用服务业实现了从无到有、从类型残缺到体系健全的巨大飞跃。与此同时,我国的信用服务业在为信用经济作出巨大贡献的同时,仍存在与市场运行机制不相和谐的因素,集中表现为法律体系不完善、监管过于分散、行业缺乏有效竞争等。加强对信用服务业的类型化规制有助于完善监管架构、提高监管效率。Modern market economy is a kind of credit economy. Credit is a lubricant that promotes the orderly operation of the market economy, with credit and the market economy closely linked. As a crucial part of the construction of social credit system, credit service-providing industry is an important criterion for measuring the development level of China’s credit economy. China’s credit service-providing industry has achieved huge leap from scratch, the change from incomplete and limited types to sound and comprehensive ones, in the past 40 years since the reform and opening-up. At the same time, while China’s credit service-providing industry has significant contributions to China’s credit economy, there are still factors inside the industry which are not in harmony with the market operation mechanism. These factors mainly concentrate on imperfect legal system,overly scattered regulation, and lack of effective competition among the industry, etc. It helps to improve the regulatory framework and elevate the supervision efficiency to strengthen the classified regulation of credit service-proving industry.

关 键 词：信用服务业 分类规制 立法思路 监管路径 

分 类 号：F832.4[经济管理—金融学]