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本文回顾陕西省征信业发展的现状,提出征信业发展过程中存在的六方面主要问题:征信法规缺失,征信标准化建设滞后,征信机构少、规模小,征信产品有效供给和需求不足,征信监管和行业自律缺失,大众征信知识缺乏,针对这些问题,提供了五条发展征信业的对策建议,并从政府、人民银行、征信机构、个人和企业等不同主体角度提出了实施这些建议的具体措施。
This paper reviews the status quo of the development of credit information industry in Shaanxi Province and puts forward six main problems in the credit information industry development process: the lack of credit information system, the lag of standardization of credit information collection, the small number of credit reference agencies, small size, effective supply of credit information products and Lack of demand, lack of credit supervision and lack of self-discipline, and lack of knowledge on public credit. In response to these questions, we have provided five suggestions on how to develop credit information industry. From the perspectives of the government, People’s Bank of China, credit bureaus, individuals and enterprises Specific measures to implement these recommendations have been put forward.