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《征信管理条例(征求意见稿)》吸收了我国地方征信立法中的的合理规定,并在对信用评级道德风险的防范、中国征信机构性质及地位等方面进行了创新。但是,其有关信用评级报告的效力、民事责任分配等规定仍存在不符合法律基本原理的重大问题。因此,立法者仍需要对《征信管理条例(征求意见稿)》作出重大修正。
The Regulations on Credit Information Management (Draft for Soliciting Opinions) has absorbed the reasonable provisions in the legislation of local credit information collection and has made innovations in the prevention of the moral hazard of credit rating, the nature and status of the credit reference agencies in China. However, its provisions on the effectiveness of credit rating reports and the distribution of civil liability still contain major issues that do not accord with the basic principles of law. Therefore, the legislator still needs to make a major amendment to the “Credit Administration Regulations (Exposure Draft)”.