我国企业信用征信体系的构建研究资料.docVIP

我国企业信用征信体系的构建研究 包括信用服务项目、信用服务机构和信用服务制度三个组成部分,协调作用实 I现信用信息服务功能;征信行业监管分体系是有序运行前提,包括信用激励约 束机制和征信行业秩序规范两个部分,共同完成征信行业监管功能。各分体系 之间是一个相互作用、相互协调的有机整体,其中每一个分体系都发挥着各自 应有的作用,共同促进体系整体的运作效率。 企业信用信息数据库是企业信用征信体系的核心,我国企业信用信息数据 库的建立分为三个层次,分别为:政府信用信息数据库、行业信用信息数据库 和征信机构信用信息数据库。企业信用信息数据库在建立和使用时,按照“部 门协调、联合征信、统一管理、分类使用”的原则,制定规范、统一的企业信 用信息记录制度,建立政府信息公开制度和企业信用信息共享平台,征集并开 放分散在政府各部门、各行业组织的企业信用信息,建立以央行的企业信贷登 记查询系统为基础的企业信用信息基础数据库,为企业信用体系的建立奠定基 础。 我国企业信用征信体系的构建采取人民银行主导的公共征信模式与民营机 构的市场化征信模式相结合,人民银行行使征信行业监管主体职能。逐步健全 和完善我国的征信行业立法,建立信用激励约束机制,实施征信行业监管职能; 建立信用信息整合和共享机制,建立相关的信息采集、使用管理制度,不断丰 富和完善全国企业信用信息基础数据库;规范民营征信机构的经营和发展,采 取完全市场化的运作方式,逐步形成几个全国性的的大型征信公司和数目众多 的信用增值服务公司,扩大和完善企业信用信息民营数据库;规范信用服务市 场,满足信用经济市场发展的需求。采用“市场化和公共相结合模式”逐步建 立和完善我国的企业信用征信体系。关键词:信用;征信;企业信用征信体系;企业信用信息数据库IIAbstract The development of market economy is based on the increasingly transparent and expanding credit relationship. No credit would be no good economic and social order, and credit is the cornerstone of the modern market economy. Modern market economy is the credit economy established on the legal systems foundation, and the social credit system is the important institutional arrangement of the market economic system. In a mature market economic country, the economic formation must be transformed to the form of credit economy. The main characteristics are the dominant market transaction mode by credit instead of the cash and there are relatively perfect and sound social credit system as the security and supportIn the market economy, the government credit is the cornerstone of the social credit, the personal credit is the basis of the social credit, the bank credit is the lubricant of the social credit, and the enterprise credit is the most critical, the most active and the most influentialWith the development of the economic contracts, enterprise credit has become the prerequisite between the cooperation and transactionEnterprise credit system is the most important of the construction of social credit system, an