摘要
通过主发起行管理员用户设立的查询用户查询、使用个人征信信息的未接入征信系统的村镇银行,根据实质重于形式的原则应该属于征信监管对象。其征信监管应当适用穿透性监管原则,借鉴早期纠正工作机制,补监管法规中的问责制度"短板",实行属地监管与异地协查相结合原则。
According to the principle of " substance is more important than formality", the objects of credit reference supervision includes the inquiries by the inquiry user set up by the sponsor administrator and the village banks using personal credit reporting information and without access to credit reporting system. The credit reporting supervision over them should apply to the penetrating supervision principles, take the Prompt corrective action mechanism for reference, reinforce supervision regulations accountability system "short board", and follow the principles of combining different spot investigation with territorial supervision.
作者
孙江华
王锦云
SUN Jianghua, WANG Jinyun(1. Ningde City Central Sub'branch of the People's Bank of China, Ningde , Fujian 352000, China ; 2. Zhouning County Sub-branch of the People's Bank of China, Ningde , Fujian 355400, China)
出处
《征信》
北大核心
2018年第1期25-27,共3页
Credit Reference
关键词
征信监管
未接入征信系统
征信信息安全
穿透性监管
早期纠正机制
credit reference supervision
non-access credit reporting system
credit information security
penetrating supervision
Prompt corrective action mechanism