征信
徵信
정신
CREDIT REFERENCE
2015年
9期
37-41
,共5页
信用信息共享%隐私保护%公共征信机构%私营征信公司
信用信息共享%隱私保護%公共徵信機構%私營徵信公司
신용신식공향%은사보호%공공정신궤구%사영정신공사
Credit Information Sharing%Privacy Protection%Public Credit Agencies%Private Credit Companies
信用信息共享是征信系统建设的核心问题。从信用信息共享的原则和信用信息共享的载体两个方面，系统梳理该领域的研究文献，认为协调信息共享与隐私保护、安排正负面信息是否共享、规范信息共享的限度、处理信息记录差错是信用信息共享面临的四个原则问题。以公共与私营属性为切入点，对国际征信机构的建立目的、运行特征等进行系统比较，并探讨征信组织的培育以及中国的征信系统建设，以期对完善我国征信系统有所借鉴。
信用信息共享是徵信繫統建設的覈心問題。從信用信息共享的原則和信用信息共享的載體兩箇方麵，繫統梳理該領域的研究文獻，認為協調信息共享與隱私保護、安排正負麵信息是否共享、規範信息共享的限度、處理信息記錄差錯是信用信息共享麵臨的四箇原則問題。以公共與私營屬性為切入點，對國際徵信機構的建立目的、運行特徵等進行繫統比較，併探討徵信組織的培育以及中國的徵信繫統建設，以期對完善我國徵信繫統有所藉鑒。
신용신식공향시정신계통건설적핵심문제。종신용신식공향적원칙화신용신식공향적재체량개방면，계통소리해영역적연구문헌，인위협조신식공향여은사보호、안배정부면신식시부공향、규범신식공향적한도、처리신식기록차착시신용신식공향면림적사개원칙문제。이공공여사영속성위절입점，대국제정신궤구적건립목적、운행특정등진행계통비교，병탐토정신조직적배육이급중국적정신계통건설，이기대완선아국정신계통유소차감。
Information sharing is the core problem of the construction of credit information system. Based on the problem , the paper systematically combed the research literature in this field from the principle of credit information sharing and the carrier of credit information sharing. Coordinating information sharing and privacy protection, design of positive and negative information sharing, standardizing information sharing and processing information recording error are four principles of credit information sharing to face. Taking public and private property as breakthrough point , some research compared international credit rating agencies on establish objective and operational characteris-tics, and explored the credit rating organization cultivation and Mainland China credit system construction. The above research is of great significance for promoting the construction of credit system in China.
