暨南学报(哲学社会科学版)

作者：邓建鹏

单位：中央财经大学法学院。

关键词：个人征信,营商环境,市场准入,准入管制,法治

基金：教育部哲学社会科学研究重大课题攻关项目“互联网金融的风险防范与多元化监管模式研究”(15JZD022)。

个人征信行业是信贷领域重要的基础设施,但是近年国内个人征信业的监管政策重在严格的准入管制,不利于防范金融风险。征信业的国际监管规则与行业发展趋势表明,准入管制背离营商环境法治化要求,存在诸多商榷的余地。推动征信行业市场化应以法治精神为指导,及时放松个人征信业准入管制,创新监管机制,减少监管者对市场准入的过度干预,确保市场主体金融公平,监管重点由准入管制调整为对行业的事中事后监管,方可激发征信业活力。"/>template{display:none;}.mag-rich-xref-fn { cursor: pointer;}//长视频$(document).ready(function(){if($("#showLongArticleVideo") && $("#showLongArticleVideo").length && $("#showLongArticleVideo").length>0){mag_ajax_update({ele_id:'showLongArticleVideo',url:mag_currentQikanUrl() + "/CN/article/showLongArticleVideo.do?id="+$("#articleId").val()});}});$(document).ready(function(){window.metaData = {"journal":{"issn":"1000-5072","qiKanMingCheng_CN":"暨南学报（哲学社会科学版）","id":2,"qiKanMingCheng_EN":"Jinan Journal"},"fundList_cn":["教育部哲学社会科学研究重大课题攻关项目“互联网金融的风险防范与多元化监管模式研究”(15JZD022)。"],"article":{"keywordList_cn":["法治","个人征信","市场准入","营商环境","准入管制"],"juan":"44","zhaiyao_cn":"个人征信行业是信贷领域重要的基础设施,但是近年国内个人征信业的监管政策重在严格的准入管制,不利于防范金融风险。征信业的国际监管规则与行业发展趋势表明,准入管制背离营商环境法治化要求,存在诸多商榷的余地。推动征信行业市场化应以法治精神为指导,及时放松个人征信业准入管制,创新监管机制,减少监管者对市场准入的过度干预,确保市场主体金融公平,监管重点由准入管制调整为对行业的事中事后监管,方可激发征信业活力。","endNoteUrl_en":"https://jnxb.jnu.edu.cn/skb/EN/article/getTxtFile.do?fileType=EndNote&id=6588","bibtexUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/article/getTxtFile.do?fileType=BibTeX&id=6588","abstractUrl_en":"https://jnxb.jnu.edu.cn/skb/EN/10.11778/j.jnxb.20211849","qi":"4","id":6588,"nian":2022,"bianHao":"2022-4-48","zuoZheEn_L":"DENG Jianpeng","juanUrl_en":"https://jnxb.jnu.edu.cn/skb/EN/Y2022","shouCiFaBuRiQi":"2022-04-28","qiShiYe":"48","qiUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/Y2022/V44/I4","lanMu_cn":"民商法研究","pdfSize":"1163","zuoZhe_CN":"邓建鹏","risUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/article/getTxtFile.do?fileType=Ris&id=6588","title_cn":"个人征信业监管政策改革的法制思考","doi":"10.11778/j.jnxb.20211849","jieShuYe":"56","keywordList_en":["business environment","consumer credit report","market entry","rule of law","the regulation of entry"],"endNoteUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/article/getTxtFile.do?fileType=EndNote&id=6588","zhaiyao_en":"The consumer credit report system is an important infrastructure in the credit field. 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来源：2022年第4期

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