个人征信业监管政策改革的法制思考  

Legal Thinking on the Supervision Policy of China s Consumer Credit Report Market

作　　者：邓建鹏 DENG Jianpeng

机构地区：[1]中央财经大学法学院

出　　处：《暨南学报（哲学社会科学版）》2022年第4期48-56,共9页Jinan Journal(Philosophy and Social Sciences)

基　　金：教育部哲学社会科学研究重大课题攻关项目“互联网金融的风险防范与多元化监管模式研究”(15JZD022)。

摘　　要：个人征信行业是信贷领域重要的基础设施,但是近年国内个人征信业的监管政策重在严格的准入管制,不利于防范金融风险。征信业的国际监管规则与行业发展趋势表明,准入管制背离营商环境法治化要求,存在诸多商榷的余地。推动征信行业市场化应以法治精神为指导,及时放松个人征信业准入管制,创新监管机制,减少监管者对市场准入的过度干预,确保市场主体金融公平,监管重点由准入管制调整为对行业的事中事后监管,方可激发征信业活力。The consumer credit report system is an important infrastructure in the credit field.At present,the regulatory policies of China s consumer credit report market,mainly about the regulation of entry,is fairly strict and not conducive to preventing financial risks.From the perspective of international regulatory rules and development trends of the credit industry,it can be seen that there is much room for discussion on the excessive regulation of entry,violating the legal requirements of the business environment.It is important to promote the marketization of the credit industry,which should be guided by the spirit of rule of law.In order to stimulate the vitality of the consumer credit report market,the government should release the regulation of entry,innovate the regulatory mechanism,reduce the excessive administrative intervention on market access,ensure the financial fairness of market subjects,and the focus of supervision should be changed from the regulation of entry to regulating the commercial behavior of credit bureaus.

关 键 词：个人征信 营商环境 市场准入 准入管制 法治 

分 类 号：D9[政治法律—法学]