个人征信机构独立性研究

发布时间：2018-10-29 15:10

【摘要】：2015年中国人民银行印发《关于做好个人征信业务准备工作的通知》,要求芝麻信用管理有限公司、腾讯征信有限公司等8家机构做好个人征信业务的准备工作,以盘活互联网企业内部的数据资源,弥补我国征信体系在个人征信领域的欠缺。该通知发布迄今已经两年有余,但是这些机构的个人征信牌照目前仍未下发,监管部门认为牌照发放的最大障碍在于个人征信机构股权高度集中,导致其欠缺独立性,这引发了我国个人征信机构是否必须股权分散及其与独立性之间关系的争论。其实,个人征信机构股权是否分散与其独立性无关,在现阶段,股权分散反而会影响发展效率。从我国个人征信市场发展现状与促进我国个人征信市场发展的角度考虑,应当给相关机构及早发放个人征信牌照,以实现我国个人征信业务的跨越式发展。
[Abstract]:In 2015, the people's Bank of China issued the notice on preparing for personal Credit reporting, which required eight institutions, such as Sesame Credit Management Co., Ltd., Tencent Credit Information Co., Ltd., to do a good job in preparing for personal credit information business. In order to activate the internal data resources of Internet enterprises, make up the deficiency of our credit system in the field of personal credit. It has been more than two years since the notice was issued, but the individual credit card of these institutions has not yet been issued. Regulators believe that the biggest obstacle to the issuance of the license plate lies in the high concentration of shares in the individual credit agencies, resulting in their lack of independence. This has led to a debate about whether the individual credit agencies in our country must decentralize their equity and their relationship with independence. As a matter of fact, whether the individual credit agency is decentralized or not has nothing to do with its independence. At the present stage, it will affect the development efficiency. Considering the present situation of personal credit market in China and the development of personal credit market in China, we should issue personal credit license to relevant institutions as soon as possible, so as to realize the leapfrog development of personal credit service in our country.
【作者单位】：中国人民大学法学院;华东政法大学研究生教育学院;
【分类号】：F832.479

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