Experts suggest: Beware of excessive control over credit system construction

November 1, the State Council's legal office to the "Credit Management regulations Construction (draft)" (hereinafter referred to as the "Regulations") collection of opinions.　　Since the release of the regulations, the high entry threshold fee and the credit system have been widely concerned about the content increasing. Access threshold high regulatory opacity "high access threshold fee set is fatal, will greatly affect the sound development of the credit industry." "Chung-Shin International general manager Li said to China Economic Times reporter," The regulation stipulates that the establishment of the registered capital of the credit agencies in 5 million yuan-50 million yuan, and the actual situation there is a big gap. At present, the credit institutions registered funds in general at 1 million yuan-3 million yuan, the country only 3 credit institutions registered capital of more than 50 million yuan. According to industry sources, a revision of the document has been submitted to the State Council Law office.　　October 26, Wu Jing, Renmin University of China, teaches credit management studios and government regulatory departments, industry institutions, scientific research institutes and other 26 related institutions convened to discuss the theoretical basis of the regulations, legislative principles, specific provisions and other issues, the final outcome of the meeting in the form of recommendations submitted to the State Council Legal Office.　　It is suggested that the regulation fills the blank of China's credit management laws and regulations, affects the establishment of our Social credit system, emphasizes the protection of the legal rights and interests of the information subject, and incorporates the rating industry into the credit supervision category, thus ending the current unregulated status of the rating industry. "High demand for registered capital of credit institutions is excessive supervision". At the same time, the proposal also expresses some questions about the contents of the ordinance.　　It is suggested that excessive restrictions on institutions, products and services imposed by the regulations would hinder the development of the credit industry, and that enterprises should be classified and supervised by credit and personal levy, credit report and rating, and that the supervisors and operators in the industry should be separated from each other to improve the transparency of supervision. Lee rang the view that the enactment of the Ordinance lacks rigor.　　For the Credit Management center, a lot of special rights, such as the regulator can check the third party rating content, and the credit Management center is not among them, easy to appear again and play when the referee phenomenon.　　　　Lee told reporters that up to now, the rating industry has not unified national standards, the credit industry needs to build a unified rating standards. The inclusion of excessive content in the data as at the end of 2008 shows that the individual credit system contains 640 million natural people, including 140 million people with credits.　　14.47 million households are included in the enterprise and other organizations. With the gradual development of credit system, more and more contents of the system are included. It is understood that the current telecommunications users, residents, such as electricity and gas payment information is gradually included in the credit system, environmental information this year also entered the credit system, Provident Fund payment information and loan information in the third quarter of last year into the credit system. October 24, the central Bank Credit Center Beijing branch of the relevant officials disclosed that the tax evasion records will enter the personal credit system, the court's administrative law enforcement recordsis also under negotiation, is expected to enter the credit report in the near future. Lee Rang told reporters that the credit system is a gradual improvement of the process. Personal credit cards, savings and money, corporate billing and cancellation business all need to go to the bank, which eventually brings together the credit system established by the central bank.　　The inclusion of content is only part of the system, and future guarantees and ratings will also be progressively incorporated into it.　　Shi, a senior analyst at ICBC, has said that even premium customers may default on loans due to some objective factors, and that banks do not discriminate against borrowers who have bad personal records, resulting in customers not being able to borrow from banks. However, China Merchants Bank Credit card Center Planning manager Zhang Jizhou told reporters that banks to customer loans or credit card audit, there are different credit policies and risk preferences, will selectively consider some factors in the credit system.