征信监管

我国没有统一的个人信用征信监管机构，各个地方的监管机构也各不相同。

There is no unified regulatory agency , each of the local regulatory bodies also differ .

明确由中国人民银行作为征信监管部门，对征信机构、个人信用信息的提供者和利用者进行监管；

Meanwhile , the legislation of our country 's ICC should stipulate the People 's Bank of China to be the credit supervision that monitors and manages the ICC agencies , the personal credit information providers and users .

对我国征信行业监管的建议

The Proposal On Supervising Credit Checking Industry

通过完善个人征信制度体系，以消除人们对于个人征信的疑虑，促进信息的自由流动和信息共享，实现政府对征信市场的有效监管，促使市场主体关注自身信用、避免失信行为。

Perfecting personal credit system , in order to eliminate people ′ s doubts of personal credit registry , promote the free flow of information and information sharing , realize the effective supervision on credit market , prompting market subjects to focus on their own credit , avoid discreditable behavior .