公共信用信息开放与共享面临的问题及对策研究

当前,公共信用信息开放面临着政府不能为征信产品提供强有力的制度保障,信息孤岛现象较为严重,社会各系统缺乏对信用信息的价值认同,管理手段和标准不统一等问题。今后,应通过利益补偿机制体现信用信息价值,选择恰当的信用信息公开形式,政府要提供必要的政策和资金支持,规范公共信息管理等,以促进公共信用信息的开放与共享。

Problems for opening up and Sharing Public Credit Information and the Countermeasures

At present, problems for opening up public credit information exist as follows, governments＇ failure to provide a strong institutional protection for credit information products; isolated island phenomenon on the information being more serious; lack of value identification about credit information in the view of various social sectors; the, the non - uniform standard for the management means, and so on. In future, the interests compensation mechanism should be adopted for reflection of the value of credit information, selecting the appropriate credit information opening - up forms. The Government must provide necessary policy and financial support, standardize the management information in order to promote the opening up and sharing of public credit information.