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信用中介机构是指为适应信用交易的需要 ,为各类信用活动提供服务的机构 ,是现代信用制度的重要组成部分。征信机构及专门的信用评级机构被视为通常意义上的信用中介机构 ,它们是一国信用制度的关键。在市场经济环境下 ,要使信息交易能够正常进行 ,就必须通过中介机构来解决信息不对称问题。我国信用中介机构存在诸多问题 ,是因为它们缺乏良好的发育和成长环境。当务之急是要构建信用中介机构成长的社会环境和法律环境 ,努力推进市场化运作 ,保证中介机构的独立性 ;建立以“信用信息公开法”为中心的信用数据采集制度 ,保障信用中介机构的业务活动 ;并建立信用中介机构自身的行为规范体系。
Credit intermediary institutions refer to the institutions that provide services for various types of credit activities to meet the needs of credit transactions and are an important part of the modern credit system. Credit bureaus and specialized credit rating agencies are regarded as credit intermediaries in the usual sense, and they are the key to a country’s credit system. In a market economy environment, to enable the information transaction to proceed normally, we must solve the problem of information asymmetry through intermediaries. There are many problems in China’s credit intermediary institutions because they lack a good environment for growth and development. The most urgent task is to establish a social and legal environment for the growth of credit intermediary institutions, strive to promote market-oriented operation and ensure the independence of intermediaries. We will establish a credit data collection system centered on the “Law on the Disclosure of Credit Information,” so as to guarantee the business of credit intermediaries Activities; and establish a credit agency’s own code of conduct system.