垄断还是竞争：中国征信业发展的争论

信息不对称对现代社会的杀伤力是难以估计的。政治上的腐败,市场秩序的混乱。交易过程中机会主义盛行均与信息不对称有关。为矫正信息不对称,作为现代市场经济的一部分,征信业发挥着不可替代的作用。我国征信业的发展尚处于初级阶段,防止征信业中的行政垄断是目前理论界激烈争论的问题。如何按照市场经济的惯例发展我国的征信业,是建立我国信用体系的一个重要环节。

Monopoly or Competition:Dispute about the Development of Chinese Credit Information Industry

Unsymmetrical information will have a huge damage to the modern society. Political corruption, disordered market and prevailed opportunism in the transaction all have something to do with the unsymmetrical information. The credit information industry as part of modern market economy plays an important role in correcting this. Since Chinese credit information industry is still in its primary development stage, how to prevent the administrative monopoly is the center of the dispute. One of the key parts in establishing our credit system is how to develop our credit information industry by following the practice of market e-conomy.