征信机构建设的国际经验及其启示

健全的征信体系能促进经济的快速发展,从世界征信体系实践上看,征信机构建设运行模式主要有公共模式和私营模式两种。公共征信机构通过行政手段强制金融企业报送信贷记录,实现系统内共享。私营征信机构是以盈利为目的,强调自律管理。两类征信模式各有优缺点,具有不同的适应性。我国征信建设正在建立央行主导的公共征信系统,应大力发展民营市场化的征信机构,加强与境外征信机构的合作交流。

International Experience and Inspiration of Credit Institutions Construction

A set of sound credit systems can promote economic development rapidly. From the credit systems in practice, in the world, modes of credit institutions basically have two kinds： public and private. Public credit information institutions order financial enterprises to file credit records by through administrative means ,and the financial enterprises can get sharing on information within the system. Market credit mechanism is a purpose with gain, emphasizing on self-discipline management. Two types of credit models have their advantages and disadvantages, there are different adaptabilities. China＇s credit construction is a public mode, which is the dominant of the central bank. We should develop private market credit mechanism, and strengthen the cooperation and exchange with overseas credit information agencies.