建立国家层面的社会征信体系,对深入贯彻习近平总书记“四个全面”战略布局,构筑诚实、守信、公平、正义的经济社会环境具有十分重要的意义。但当前我国征信体系建设仍存在如下问题:一是信用信息法律不健全,信息采集和使用缺乏法律支撑。我国虽然颁布了《征信业管理条例》,但规范征信市场行为的法律法规还不完善。二是各 The establishment of a social credit system at the national level is of great significance for the in-depth implementation of General Secretary Xi Jinping’s “four comprehensive” strategic layout and building an honest and trustworthy, fair and just economic and social environment. However, the current credit information system in our country still has the following problems: First, the credit information law is not perfect, and the information collection and use lacks legal support. Although China promulgated the “Credit Management Regulations”, but the laws and regulations regulate credit market behavior is not perfect. Second, each