我国社会信用管理行业总体特征、主要问题及对策研究

我国社会信用环境和信用管理行业发展总体特征表现为：信用管理服务行业市场需求发展迅速,社会信用风险成本不断加大,本土企业信用风险意识不强,社会信用风险管理不断发展和提高,社会信用风险管理存在比较严重的结构失衡问题。加强我国社会信用风险管理,既要充分借鉴这些国际上成功的经验,也要从目前我国信用行业发展水平和信用风险管理实际出发,采取合理有效措施。一是高度重视和加强国家信用管理;二是高度重视通过法律法规管理社会信用;三是注重充分发挥市场力量和市场机制在社会信用管理体系建设中的作用;四是大力发展信用行业,稳妥推动信用行业产业化运作;五是坚持＂两手＂抓,加快形成诚信奖励和失信惩罚机制。

A Study on General Characteristic and Problems in China's Social Credit Management Industry and the Countermeasures

The general characteristics of the environment of China’s social credit management and the development of credit management industry are manifested by the rising demand of credit management service, the increasing cost of social credit risk, the local enterprises weak consciousness of credit risk, the developing social credit risk management and the structural imbalance in social credit risk management. To strengthen China’s social credit risk management, we should not only draw lessons from other countries but also adopt the rational and effective measures suitable to the development level of China’s credit industry and credit risk management. First, we should seriously strengthen national credit management; second, we should attach much importance to social credit management with the help of laws and regulations; third, we should give full play to the role of market forces and market mechanism in constructing social credit management; fourth, we should greatly develop credit industry and promote the industrialized operation of credit industry; and fifth, we should attach equal importance to reward to credibility and to punishment to discredit.