摘要
征信作为金融体系运转的重要支撑,具有提升信贷市场信息共享度、降低贷款机构信息搜集成本并提升信贷市场效率和防范金融风险、推动经济增长的作用。随着我国金融创新改革步伐不断加快以及“互联网+”发展战略的不断深入实施,以互联网金融为代表的新型金融业态模式不断涌现,对社会征信服务需求量不断增加。但当前我国征信业法律法规缺失,个人信息安全保护形势尤为严峻,其专业性问题有待解决;征信市场化发展与政府的顶层设计之间的矛盾不断,影响行业发展的制约因素不断涌现,征信系统所涵盖的征信数量和维度不能满足金融创新发展需求。因此需要加强征信业各环节机制建设,不断完善征信业法律体系及行政监管,加强社会诚信文化建设;注重金融科技在征信业的应用场景,加强金融科技征信模式的安全性防护以促进我国征信行业的健康发展。
As an important support for the operation of the financial system,credit reporting has the function of enhancing the sharing of credit market information,reducing the cost of information collection by lending institu⁃tions,improving the efficiency of the credit market,preventing financial risks,and promoting economic growth.With the continuous acceleration of China's financial innovation and reform and the continuous implementation of the"Internet+"development strategy,new financial business models represented by Internet finance continue to emerge,and the demand for social credit reporting services continues to increase.However,the current credit re⁃porting industry in China lacks relevant laws and regulations,the situation of personal information security protec⁃tion is particularly severe,and its professional problems need to be resolved.The contradiction between the devel⁃opment of credit reporting marketization and the government's top-level design continues to emerge,and con⁃straints affecting the development of the industry continue to emerge.The number and dimensions of credit report⁃ing covered by the credit reporting system cannot meet the needs of financial innovation and development.There⁃fore,we should strengthen the construction of various aspects of the credit reporting industry,continuously im⁃prove the legal system and administrative supervision of the credit reporting industry,and strengthen the construc⁃tion of social integrity culture;Besides,we should pay attention to the application scenarios of financial technology in the credit reporting industry and strengthen the security protection of the financial technology credit reporting model,so as to promote the healthy development of China's credit reporting industry.
出处
《西南金融》
北大核心
2021年第5期89-96,共8页
Southwest Finance
基金
国家社会科学基金重大项目“正确处理经济平稳较快发展、调整经济结构、管理通胀预期的关系研究”(12&ZD038)。
关键词
征信体系建设
个人征信
信息安全
信息不对称
数据孤岛
大数据
金融科技
互联网+
credit reporting system construction
personal credit reporting
information security
information asymmetry
data islands
big data
financial technology
Internet Plus
