国外公共征信系统运行与监管研究  

Research on Operation and Supervision of Foreign Public Credit Information System

作　　者：中国人民银行白山市分行征信管理研究课题组 于灵童[1] 吴悦僮 徐婷[1] Credit Management Research Group of Baishan Branch of the People's Bank of China

机构地区：[1]中国人民银行白山市分行,吉林白山134300

出　　处：《吉林金融研究》2024年第4期36-38,70,共4页Journal of Jilin Financial Research

摘　　要：征信系统是信用交易的基础设施,是社会信用体系保持高质量良性运转并发挥长效机制的重要保障。本文以欧洲公共征信系统建设现状和发展优势为基础,根据其运行经验和监管体制,分析我国公共征信系统目前面临的问题,并提出加速数据整合、加速出台法律、推进信用信息共享等持续优化我国公共征信系统的可行性建议。The credit information system is the infrastructure of credit transactions,and it is an important guarantee for the social credit system to maintain high-quality benign operation and play a long-term mechanism.Based on the construction status and development advantages of European public credit information system,this paper analyzes the current problems faced by China's public credit information system according to its operating experience and regulatory system,and propose feasible suggestions for accelerating the introduction of laws,and promoting credit information sharing to continuously optimize China's public credit reporting system.

关 键 词：征信系统 信用监管 系统运行机制 

分 类 号：F830[经济管理—金融学]