对我国征信体系建设中信用信息开放与共享问题的思考

信用信息的开放与共享是征信体系和社会信用体系建设的前提和基础,是征信机构生存和发展的条件。信用信息的开放与共享,有助于矫正信息不对称而形成的重复博弈机制,提高经济效率和优化信用资源配置。目前,我国信用信息的开放与共享领域存在诸多问题,包括法律法规缺失、信用信息分散、标准化建设欠缺以及监管缺位等。为构建符合中国国情的、有效的征信体系和社会信用体系,我们需要从加强立法、整合资源、制订技术标准、加强政府监管与行业自律等方面着手,建立科学的信用信息开放与共享机制。

Thoughts about Opening-up and Sharing of Credit Information in Construction of Credit Reference System in China

The opening-up and sharing of credit information is the premise and basis for construction of credit reference system and social credit system and also it is the condition for the survival and development of credit reference institutions.Openness and sharing of credit information will help to correct repeated game mechanism resulting from information asymmetry,to enhance economic efficiency and optimize the allocation of credit resources.At present,there are many problems in the opening up and sharing of credit information in China,including lack of laws and regulations,credit information being distributed,lack of standardization construction and the absence of regulation.For building effective credit reference system and social credit system in line with China＇s national conditions,we need to start with strengthening legislation,integrating resources,formulating technical standards,strengthening government regulation and industry self-regulation,and establishing a scientific opening-up and sharing mechanism of credit reference information.