基层征信体系建设的环境“瓶颈”及创新思路

征信体系是由征信法规、征信机构、征信市场、征信行业标准及监管等核心要件构成的一个有机统一体。当前的基层征信体系建设，面临着纷繁复杂的环境“瓶颈”。这些环境“瓶颈”，严重阻碍着我国征信体系建设和征信水平的提高。为推进我国基层征信环境建设，应树立大局意识，进一步加强征信法规建设，加强企业和个人信用信息基础数据库建设，建立诉讼信息共享机制，依法加强对征信市场的监管。

Environment "Bottleneck" for Construction of Grass-root Credit Reference System and Innovative Ideas

The credit reference system is an organic unity which consists of such core components as the credit laws, credit reference agencies, credit reference markets, credit reference industry standards and regulation, etc.. The current grass - root credit reference system faces the complicated environment ＂bottleneck. ＂ The environment ＂bot- tleneck＂ impedes greatly construction of China＇ s credit reference system and acceleration of credit reference levels. In order to promote construction of grass - root credit reference environment, it＇ s necessary to have the general situ- ation consciousness, to further strengthen construction of the credit reference laws, to enhance building up corporate and individual credit information fundamental database, to establish litigation information sharing mechanisms, to strengthen the regulation of credit reference markets according to the laws.