| 美、英、日三国征信监管模式比较及其启示 |
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| 引用本文： | 宋晓瑞.美、英、日三国征信监管模式比较及其启示[J].河南金融管理干部学院学报,2014(12):62-64. |
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| 作者姓名： | 宋晓瑞 |
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| 作者单位： | 中国人民银行太原中心支行,山西太原030001 |
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| 摘 要： | 美、英、日三国都有比较健全的征信法律体系和成熟的监管模式,特别注重对信息主体合法权益的保护。结合我国征信体系建设存在的问题,建议建立和完善征信法规,为信用信息共享和合理使用提供制度保障;加快行业信息系统建设,为推动信息共享进程提供先决条件;进一步加大信息主体权益保护力度。
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| 关 键 词： | 征信 监管模式 信息主体 信息系统 |
A Comparative Study of Credit Reporting Supervision Modes in the US,UK, Japan and Their Implications |
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| SONG Xiaorui.A Comparative Study of Credit Reporting Supervision Modes in the US,UK, Japan and Their Implications[J].Journal of Henan College of Financial Management Cadres,2014(12):62-64. |
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| Authors: | SONG Xiaorui |
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| Institution: | SONG Xiaorui (Taiyuan Central Sub-branch, the people＇s Bank of China, Taiyuan , Shanxi 030001 , China ) |
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| Abstract: | The USA, UK and Japan have established their perfect credit legal systems and mature credit supervision modes, focusing especially on the protection of legitimate rights and interests of information subjects. Considering the current problems of China＇ s credit reference system construction, the following proposals are presented ： to es- tablish and improve the credit laws and regulations so as to provide institutional guarantee for the reasonable use of credit information sharing ; to speed up the construction of the industry information system so as to provide a precon- dition for promoting information sharing process; and to further enhance the protection of the rights and interest of information subiects. |
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| Keywords: | credit reporting supervision mode information subject information system |
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