When everything is recorded, when a person is described by information, although it is convenient for the management of the state and institutions, it makes personal privacy a secret known to everyone. The root of why prism gate in the United States happened is that there is a system to record everyone. Recently, an interesting news has caused a stir in the banking industry. The online shopping data has been incorporated into the credit reference system. Does this indicate that the credit rating system has gone to a higher level or we are becoming more and more transparent.
Recently, the national development and Reform Commission and the Central Bank jointly held a working conference on the construction of the national social credit system, which made it clear that the construction of China's credit reporting system will be led by market-oriented credit reference agencies. Pan Gongsheng, the vice president of the central bank, called Ali and Tencent from the air to welcome them into the construction of credit reporting system.
The relevant person in charge said at the meeting that the data of big data companies and large e-commerce platforms are expected to be incorporated into the credit reporting system in the future. Pan Gongsheng said that as the management department of the credit reporting industry, the central bank is open to big data companies entering the credit reporting market, and it is expected that big data companies will enter the credit reporting market soon. He particularly mentioned the application of big data, especially expressed his welcome attitude towards big Internet enterprises such as Alibaba and Tencent.
For qualified credit reference service agencies, according to relevant regulations, they can enjoy the preferential policies of the state and local governments on modern service industry and high-tech industry. In the near future, a number of new credit reference enterprises will enter the credit reference market. Pan Gongsheng said that in developed economies such as Europe, the United States and Japan, most of them are social credit agencies. For example, there are more than 200 credit reference agencies in the United States, more than 40 in Europe, and more than 30 in Japan and South Korea.
Pan Gongsheng pointed out that the credit reference system has become one of China's important financial infrastructure, and has played an important role in improving credit efficiency, preventing credit risks and improving social credit awareness. However, there are more than 150 credit reference agencies and rating agencies in China, with an annual income of more than 2 billion yuan. From the perspective of long-term and sustainable development, the construction of China's credit reporting system needs to establish a developed credit reporting market and let the market-oriented credit reporting institutions play a leading role. Pan Gongsheng said that China should cultivate and develop brand credit agencies, support strong and large-scale credit agencies to become bigger and stronger, cultivate national and regional leading credit reporting enterprises, and encourage reorganization and merger among credit reference agencies to form a joint market structure. The qualified credit reference service institutions shall enjoy the preferential policies of the state and local governments on modern service industry and high-tech industry in accordance with relevant regulations.
Guo Tianyong, director of the China Banking Research Center at the Central University of Finance and economics, said that measuring a customer's credit status should be based on all aspects of information. At present, the information coverage of China's credit reporting system is mainly concentrated in the credit system, but there is still a lack of credit report for other economic and social activities of individuals.
Li Daokui, director of the China and World Economic Research Center at Tsinghua University, believes that the data collection scope of credit reference system should be expanded and public information, commercial credit information and public utilities information should be included in the basic database of credit reference center.