我国个人征信体系建设的目标规划及阶段构想

当今西方发达国家大部分建立起了成熟的个人征信体系,而目前我国的个人征信体系仍处于试点阶段.本文通过实证考察,发现我国在个人征信体系建设中存在着诸如信用立法滞后、个人信用评估缺乏统一标准、各地征信体系目标不统一等问题.因此,在借鉴发达国家先进经验的基础上,作者构建了有中国特色的个人征信体系模式:即选择以银行业为主线,纵向建立基础数据库和横向联网的模式;以地方中介机构为补充,由点到面逐步推开;由政府统一监督管理,最终实现个人信用信息的联合征集、权威评估和信用公示.作者并据此设计了相应的目标规划和具体的阶段构想.

Proposal on Establishing a Personal Credit System in China:Its Objective and Stages

In most developed countries in the west,personal credit system is well established.However,personal credit system in China is still in pilot stage.An empirical investigation indicates that problems still exist in this regard such as lagging credit legislature,lack of a unified credit appraisal standard and inconsistent credit objectives in various localities.Therefore,by drawing advanced experience from developed countries,a model of personal credit system with Chinese characteristics is established.The model based on a horizontal data base and a vertical networking system and complemented by local intermediary agencies,is designed to focus on the banking industry.By applying this model to other areas,it is hoped that personal credit information will be jointly collected,authoritatively appraised and pub-licly announced under the unified supervision and management of government.To this end,corresponding objective and concrete stages are put forth.