摘要
2015年中国人民银行印发《关于做好个人征信业务准备工作的通知》,要求芝麻信用管理有限公司、腾讯征信有限公司等8家机构做好个人征信业务的准备工作,以盘活互联网企业内部的数据资源,弥补我国征信体系在个人征信领域的欠缺。该通知发布迄今已经两年有余,但是这些机构的个人征信牌照目前仍未下发,监管部门认为牌照发放的最大障碍在于个人征信机构股权高度集中,导致其欠缺独立性,这引发了我国个人征信机构是否必须股权分散及其与独立性之间关系的争论。其实,个人征信机构股权是否分散与其独立性无关,在现阶段,股权分散反而会影响发展效率。从我国个人征信市场发展现状与促进我国个人征信市场发展的角度考虑,应当给相关机构及早发放个人征信牌照,以实现我国个人征信业务的跨越式发展。
Notice on the Preparation of Personal Credit Business,issued by the People’s Bank of China in 2015,requires 8 institutions,including Sesame Credit Management Co.,Ltd.and Tencent Credit Information Co.,Ltd.,to prepare for personal credit business,so as to revitalize the internal data resources of internet companies and make up for the lack of credit information system in China.The notice has been released for more than two years,but the personal credit card has not been issued.Regulators say the biggest obstacle to license is the high concentration of the equity of personal credit agency which leads to the lack of independence.This raises the question of whether the individual credit agency must be divided.In fact,whether the individual credit agency’s equity is distributed has nothing to do with its independence.At this stage,the decentralization of equity will affect development efficiency.From the perspective of the current situation and the promotion of the development of China’s personal credit market,personal credit card should be issued to the relevant agencies as soon as possible,in order to achieve great-leap-forward development of our personal credit business.
出处
《中国高校社会科学》
CSSCI
北大核心
2017年第6期71-83,共13页
Social Sciences in Chinese Higher Education Institutions
关键词
个人征信机构
股权结构
独立性
公司治理
大数据
personal credit agency
equity structure
independence
corporate governance
big data
