加强和完善中国征信体系建设  

Strengthen and Improve the Building of China’s Credit Reference System

作　　者：黄志凌[1] Huang Zhiling

机构地区：[1]中国建设银行

出　　处：《中国银行业》2020年第10期80-83,6,共5页China Banking

摘　　要：落实国家发展规划,推进征信市场健康发展,不能以征信形式是否多样化、征信数量是否足够大、征信覆盖面是否无死角作为判断标准。而应该以促进社会信用走向成熟、更好地支持经济发展需要,满足更广泛民众和社会主体的普惠金融需求,作为征信体系建设的重点。发达的征信体系是市场经济成熟的标志。征信体系是指采集、加工、分析和对外提供信用信息服务的相关制度与措施的总称,包括相关法律制度、运行机制、征信机构、征信系统、征信服务、征信监管、信用文化等一系列内容,是社会信用体系建设的重要内容和核心环节。In the face of the new characteristics of social and economic transactions,consumption,and loan financing in the digital economy era,how to build and innovate the development of China's credit reference system,and further improve the credit reference regulatory system to better meet the development needs of new economic and financial businesses,is an important issue related to the long-term development of China's credit reference industry.To promote the healthy development of the credit reference market,we cannot judge from whether the forms of credit investigation are diversified,whether the number of credit investigations is large enough,and whether there are dead ends or not in credit investigation coverage.Instead,we should promote the maturity of social credit to better meet the needs of economic development.Meeting the needs for inclusive finance of a wider range of people and social entities is the focus of the building of credit information system.

关 键 词：国家发展规划 征信体系 普惠金融 信用文化 信用信息服务 征信市场 核心环节 征信监管 

分 类 号：F83[经济管理—金融学]