征信建设需要广泛的社会共识——人民银行推进征信工作的实践及难点

发布时间：2018-06-12 14:56

本文选题：人民银行 + 中小企业　；参考：《中国金融》2010年07期

【摘要】：信用,可谓现代经济社会的基石。随着经济市场化程度的加深,加快企业和个人征信体系建设已成为社会共识。2003年,国务院"三定方案"明确赋予人民银行"管理信贷征信业,推动建立社会信用体系"的职责;2009年10月12日,国务院法制办公布的《征信管理条例》(征求意见稿)规定,人民银行是国务院征信业监督管理部门,依法开展相关工作。但是,从基层反映上来的情况看,人民银行在开展征信工作时是很"艰难"的。为什么一件于国于己都有利的事情在实施中会遇到这么多困难呢?征信工作开展难的"症结"在哪里?信用社会的建设不是人民银行一家的事情,大到整个社会小到我们每一个个体,都应该被纳入其中。本期一线访谈试图从湖南省与江苏省两个地区分别开展的农户信用体系建设和中小企业征信体系建设的实践及遇到的困难中,解剖推进征信工作中遇到的普遍性问题。
[Abstract]:Credit is the cornerstone of modern economic society. With the deepening of the marketization of the economy, it has become a social consensus to speed up the construction of the credit system for enterprises and individuals. In 2003, the State Council's "three definite plans" specifically entrusted the people's Bank to "manage the credit information industry." The responsibility of promoting the establishment of social credit system; on October 12, 2009, the "Regulation on Credit Information Management" (draft for opinions) promulgated by the legal system Office of the State Council stipulates that the people's Bank is the supervisory and administrative department of the credit investigation industry under the State Council and carries out relevant work according to law. However, from the grass-roots reflection, the people's Bank of China in the work of credit investigation is very "difficult." Why are there so many difficulties in the implementation of a matter that is beneficial to both the country and itself? Where is the crux of the difficult work of credit information? The construction of credit unions is not a matter for the people's Bank of China. It should be included in the whole society as well as in every individual of us. The first line interview attempts to analyze the common problems encountered in the credit system construction of farmers and SMEs in Hunan Province and Jiangsu Province respectively and the difficulties encountered in the construction of credit system for small and medium-sized enterprises in Hunan Province and Jiangsu Province respectively.
【作者单位】：中国人民银行长沙中心支行;中国人民银行南京分行;北京大学中国信用研究中心;
【分类号】：F832.2

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