市场经济是信用经济,信用信息在经济和社会发展中的作用正逐步显现,而信息不对称、不当采集和滥用个人信息、失信惩戒机制缺失、市场化经营主体缺位等问题的存在严重制约了市场经济和征信业的健康发展,也加大了信用卡业务风险。“十二五”规划纲要明确提出,要加快社会信用体系建设,规范发展信用评级机构。在这一背景下,2013年3月15日,《征信业管理条例》(以下简称 The market economy is a credit economy. The role of credit information in economic and social development is gradually emerging. The problems of information asymmetry, improper acquisition and abuse of personal information, lack of dishonesty mechanism and lack of market-oriented management are severely restricted The healthy development of market economy and credit information industry has also increased the risk of credit card business. “Twelfth Five-Year Plan,” made it clear that we must speed up the construction of social credit system, standardize the development of credit rating agencies. In this context, March 15, 2013, “Credit Management Regulations” (hereinafter referred to