对“征信修复”乱象的成因分析与整治对策  

Analysis on the Reasons of the Chaos of"Credit Repair"and Its Countermeasures

作　　者：张帅 郑嘉泰 王星博 ZHANG Shuai;ZHENG Jiatai;WANG Xingbo

机构地区：[1]中国人民银行长春中心支行,吉林长春130051 [2]中国人民银行辽源市中心支行,吉林辽源136200

出　　处：《吉林金融研究》2022年第8期63-66,共4页Journal of Jilin Financial Research

摘　　要：近年来我国社会信用体系已逐步建立起来,并且日趋完善,信息主体的征信信息应用领域不断扩大,社会群体对于个人、企业征信报告的重视程度也在不断加强,信息主体对征信记录要求日趋严格,这也导致征信市场出现一些乱象,以“征信修复、信用记录洗白、不良信用记录铲单,征信异议投诉咨询、代理”为名行骗的行为层出不穷,相关虚假宣传新闻屡见不鲜,不法分子通过模糊混淆“征信异议”和“信用修复”概念,承接信息主体消除不良信息记录订单,骗取高额报酬,严重扰乱征信市场秩序,本文对这以上“征信修复”乱象的产生原因进行分析,并给出一些整治对策。Over the years,the social credit system in our country has been established,and its gradual perfection has been realized.Under the constant expansion of the application fi eld of information subject credit information,the social groups have attached more importance to credit reports containing personal and corporate credit.The certain chaos in the credit market are caused by the requirements of information subjects for credit records.The"credit repair"acts of cheating in the name of"credit repair,credit record changing to be better,bad credit record elimination","credit objection complaint consultation,agency"emerge in endlessly,and it is also common to see the news of false propaganda.By trying to blur the conceptual meanings of"credit objection"and"credit repair",the criminals have traded with information subjects to eliminate bad information records in exchange for high remuneration,which has seriously disrupted the credit market order.

关 键 词：社会信用体系 征信监管 征信修复 不良信用记录 

分 类 号：F830[经济管理—金融学]