对近期个人信用报告查询量剧增的调查和政策建议

近年来，随着中国人民银行宣传工作的深入及其效果的逐渐显现，个人信用报告的使用范围逐步扩大、查询量剧增，较好地发挥了个人信用信息服务社会的职能，但也同时给基层央行带来了一些负面影响。因此，应明确基层央行和征信中心各自的职责，加速其他机构接入征信系统，加快推广个人信用报告网上查询，依托商业银行营业网点开辟绿色查询通道。

An Investigation of Recent Huge Increase of Personal Credit Report Inquiries and Policy Recommendations

In recent years, with deepened publicity work of the People＇ s Bank of China and gradual outcome of the effect, the using scope of personal credit reports has gradually expanded with huge increase of inquiries, which has exerted personal credit information into a better role in serving the society, but meanwhile brought the grass-rooted central banks with some negative effects. Therefore, it＇ s necessary to clear respective responsibilities of the central bank and the credit reference center, accelerate other agencies＇ access into credit reference system, quicken per- sonal credit report online inquiries, and open green inquiry channels by relying on the outlets of commercial bank branches.