摘要
经过多年发展,我国企业征信领域取得了显著成绩,但相较于社会发展,还处于滞后状态,存在企业征信市场整体规模较小,公共征信部门业务简单,企业征信机构面临数据瓶颈,企业征信领域的各种要素受制于资源的条块分割等问题。在企业征信市场的有效性处于缺乏的状态,政府应当有所作为,要打破现有征信框架中制约市场发展的障碍,在政府主导下进行制度设计,搭建企业征信基础数据库,鼓励市场参与数据分享和征信产品开发,建设有中国特色的地方企业征信体系。
After years of development,our country’s corporate credit reporting field has made significant achievements,but compared with social development,it is still lagging behind.The overall scale of corporate credit reporting market is small,public credit reporting departments have simple business,and corporate credit reporting agencies face Data bottlenecks and various elements in the field of corporate credit investigation are subject to issues such as the fragmentation of resources.In the absence of the effectiveness of the corporate credit reporting market,the government should take measures to break the barriers that restrict market development in the existing credit reporting framework,design the system under the leadership of the government,build a basic corporate credit reporting database,and encourage the market to participate in data sharing and credit product development,and build a local corporate credit reporting system with Chinese characteristics.
作者
张晖
李增来
ZHANG Hui;LI Zenglai(School of Finance, Tongling University, Tongling 244061, Anhui, China)
出处
《安徽工业大学学报（社会科学版）》
2021年第2期6-9,共4页
Journal of Anhui University of Technology：Social Sciences
基金
安徽高校人文社会科学皖江经济发展研究中心重点项目(SK2018A0536)
教育部人文社会科学研究一般项目(19YJA790049)。
关键词
地方企业
征信体系
政府
市场
local enterprises
credit reporting system
government
market
