英国单一私营型征信体系的实践和启示

英国是单一私营征信模式的代表性国家，有100多年的私营征信体系实践经验，以完全商业化的征信市场来迎合各种征信需求。英国至今仍然致力于建设完善的法律体系和全面的监管组织，不断完善法律法规体系和市场组织体系，确保征信行业在法律约束和市场监管下有序经营。英国模式可为我国推进征信行业发展和完善征信市场监管提供独特的范例和启示。

Practice of Single Privately-run Credit Reference System in Britain and Enlightenment

Britain is a representative country of single privately - run credit reference model with 100 years of practi- cal experience in privately - run credit reference system construction, in which there is a fully commercialized credit reference market to meet various credit reference needs. Britain is still engaged in building a sound legal system and a comprehensive regulatory body to ensure an orderly operation of the credit reference industry under the supervision of the legal constraints and market regulation. The British model can provide China a unique example and enlightenment to promote development of credit reference industry and improvement of credit reference market regulation in China.