武汉市统一征信管理问题研究

发布时间：2018-04-23 22:40

本文选题：统一征信 + 信用评价　；参考：《天津师范大学》2013年硕士论文

【摘要】：随着市场经济的飞速发展,我国已经进入到了信用经济时代,作为市场经济体制的重要步骤安排,社会信用体系的完善已经刻不容缓,自党的十六大以来,中央已经多次明确了我国在社会主义信用体系建设上的目标和方向。其中,党中央在十一五规划期间就已经明确提出,要完善我国的税收、信贷、合同、质量等全面的信用记录,并以此为重点,促进社会信用体系建设又好又快的发展。同时,中央在2012年召开的全国金融系统工作会议上进一步提出,要以信贷征信体系为建设的重点,逐步推进社会信用体系建设的全面深入,建立健全适合我国社会经济发展水平的社会信用体系基础框架,并完善运行流程和机制。建立和完善社会信用评价机制,既是健全我国社会主义市场经济体系的重要要求,也是整顿和规范伴生在目前市场经济发展中存在的各种社会乱象的治本关键。完善的社会信用评价体系,加大失信行为的惩罚力度,加大失信成本,将使屡禁不止的偷税漏税、逃废债务、制假贩假、商业欺诈、非法集资等活动得到有效的遏制。建立健全完善的社会评价机制,同时也必将有利于促进我国市场经济的繁荣和稳定,保护人民群众的合法利益,建立稳定的金融秩序,提升社会公民的责任感和道德水平,同时推进各级行政管理部门更好的履行公共管理职能,具有重要的现实意义。近几年来,在一些地区和一些部门内部,关于建立统一的征信管理体系已经开展了多种形式的试点工作。通过借鉴国外先进的统一征信管理经验,逐步打破原有的条块化管理信用管理模式,收到了较好的社会效果,但是,总体还存在着许多亟待解决的问题,在新形势下,统一社会信用体系建设必须统一思想,信心坚定地大踏步向前迈进。在试点过程中,武汉市的统一征信管理工作已经走在了前列,如何在武汉市实现征信管理的科学有效发展,将征信管理的结果用于实处,产生实效是现阶段的重点和难点,本文从武汉市征信管理的历史沿革和发展角度阐述了实现统一征信的必要性,然后对征信管理的基本涵义、特征与原理,结合实际中介归纳了武汉市在建立统一征信管理过程中存在的问题,同时借鉴国内外的经验,在深入研究的基础上,提出改进对策和保障统一征信体系建立和持续发展的一系列措施。
[Abstract]:With the rapid development of market economy, our country has entered the era of credit economy. As an important step of the market economy system, the perfection of social credit system has become urgent, since the 16th National Congress of the Party. The central government has defined the goal and direction of our country's socialist credit system construction many times. During the 11th Five-Year Plan, the Party Central Committee has clearly proposed that we should improve our country's comprehensive credit records, such as taxation, credit, contract, quality and so on, and take this as the focus to promote the construction of social credit system to develop well and quickly. At the same time, at the national financial system work conference held in 2012, the central authorities further proposed that the credit information system should be taken as the focus of the construction, and the overall depth of the construction of the social credit system should be gradually promoted. To establish and perfect the basic framework of social credit system suitable for the level of social and economic development of our country, and to perfect the operation process and mechanism. The establishment and perfection of social credit evaluation mechanism is not only the important requirement of perfecting our socialist market economy system, but also the key of rectifying and standardizing all kinds of social disorder existing in the development of market economy at present. The perfect social credit evaluation system, increasing the punishment of the breach of trust and increasing the cost of the breach of trust will effectively curb the repeated prohibition of tax evasion, avoidance of debts, counterfeiting, commercial fraud, illegal fund-raising and so on. The establishment of a sound social evaluation mechanism will at the same time be conducive to promoting the prosperity and stability of our market economy, protecting the legitimate interests of the masses of the people, establishing a stable financial order, and enhancing the sense of responsibility and moral level of social citizens. At the same time, it is of great practical significance to promote the administrative departments at all levels to better perform the functions of public administration. In recent years, in some regions and some departments, the establishment of a unified credit management system has carried out a variety of pilot work. By drawing lessons from the advanced experience of unified credit management in foreign countries, we have gradually broken the old pattern of credit management, which has received better social results. However, there are still many problems to be solved in the whole, so in the new situation, The unified social credit system construction must unify the thought, the confidence unswervingly stride forward. In the process of pilot, the unified credit management in Wuhan has been in the forefront. How to realize the scientific and effective development of credit management in Wuhan, how to apply the results of credit management to practice, and how to produce actual results is the key and difficult point at the present stage. This paper expounds the necessity of realizing unified credit reporting from the perspective of the historical evolution and development of credit information management in Wuhan, and then discusses the basic meaning, characteristics and principles of credit reporting management. Combined with the actual intermediary, this paper sums up the problems existing in the process of establishing unified credit management in Wuhan, and at the same time, draws lessons from domestic and foreign experience, and on the basis of in-depth research, The paper puts forward a series of measures to improve and guarantee the establishment and sustainable development of the unified credit system.
【学位授予单位】：天津师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

【参考文献】