征信
徵信
정신
CREDIT REFERENCE
2015年
6期
63-67
,共5页
日本征信市场%企业征信%个人征信%信用评级
日本徵信市場%企業徵信%箇人徵信%信用評級
일본정신시장%기업정신%개인정신%신용평급
Japan’s credit market reporting%enterprise credit reporting%personal credit reporting%credit rating
目前，我国征信业采取的是以市场化为主的发展模式，这与日本的征信发展模式在很大程度上有相似之处。分析日本征信市场发展的特点，认为我国应加快征信法律法规建设，鼓励发展市场化运作的民营征信机构，激活金融机构对于征信业的潜在需求，发挥行业协会的自律与带动作用等，以促进我国征信行业健康发展。
目前，我國徵信業採取的是以市場化為主的髮展模式，這與日本的徵信髮展模式在很大程度上有相似之處。分析日本徵信市場髮展的特點，認為我國應加快徵信法律法規建設，鼓勵髮展市場化運作的民營徵信機構，激活金融機構對于徵信業的潛在需求，髮揮行業協會的自律與帶動作用等，以促進我國徵信行業健康髮展。
목전，아국정신업채취적시이시장화위주적발전모식，저여일본적정신발전모식재흔대정도상유상사지처。분석일본정신시장발전적특점，인위아국응가쾌정신법율법규건설，고려발전시장화운작적민영정신궤구，격활금융궤구대우정신업적잠재수구，발휘행업협회적자률여대동작용등，이촉진아국정신행업건강발전。
At present, the market-oriented development pattern is adopted for China’ s credit reference industry, which is, to a great extent, similar to the development pattern of Japan’s credit reference. An analysis is made on the characteristics of Japan’ s credit market development, holding that China should speed up the construction of credit reference laws and regulations, encourage the development of private credit reference institutions on basis of market-oriented operation, activate the potential demand for credit reference industry from financial institutions, and exert the role of industry association in self-discipline and leadership, so as to promote the healthy development of China’s credit reference industry.
