论征信的十个特征

征信就是独立第三方向授信机构提供信用信息服务的活动。它具有以下十个特征：征信采集的数据信息主要是信用信息；建立个人或企业的信息账户；征信具有微观性，需要切实保护信息主体特别是消费者的权益；征信是一个行业／专业；征信的主要服务对象是授信机构和授信活动；征信是一种信息分享机制；由独立于信用交易当事人的第三方提供服务；征信的功能，是在一定程度上揭示信息主体的信用状况；征信业发展更适合市场化运作，也需要政府的监管；征信行业是较严重依赖于法律法规，并与社会文化环境有密切关系的新兴行业。

Ten Characteristics of Credit Information

Credit information management focuses on the activities that an independent third party provides credit information services for credit -granting institutions. It has the following 10 characteristics： credit data collected consist mainly of credit information; establishment of personal or business credit information account ; credit information owns a micro - nature and it＇ s necessary to effectively protect the main body, especially, consumers rights ; Credit is an industry / profession; the main target groups of credit are credit - granting institutions and credit activities; credit information is an information - sharing mechanism; services of credit information are provided by third parties independent of the transactions ; the function of credit is, to some extent, to reveal the information on the principal credit status; the development of credit information industry not only suits better to market - oriented operation, but also needs governmental regulation; credit information industry is an emerging industry more heavily dependent on the laws and regulations and on the emerging industries closely related to the social -cultural environment.