中(zhong)證網(wang)訊(xun) 中(zhong)國(guo)證券(quan)報記者從十(shi)二屆全國(guo)人(ren)大(da)四(si)次(ci)會(hui)議新聞中(zhong)心了解到，全國(guo)人(ren)大(da)代表、民建(jian)浙江省(sheng)副(fu)主委車(che)曉端表示，“十(shi)三五”期(qi)間(jian)，要大(da)力推進信用信息的合規共(gong)享(xiang)(xiang)應用建(jian)設，通(tong)過信息共(gong)享(xiang)(xiang)，帶(dai)動監管力量的協同與聯動，有(you)效封(feng)堵金融風險(xian)防控漏(lou)洞(dong)。他建(jian)議推進信用信息共(gong)享(xiang)(xiang)，以有(you)效防控金融風險(xian)。

　　具體(ti)而言，一是加強頂層設計，推(tui)(tui)進信(xin)(xin)(xin)(xin)用(yong)(yong)(yong)信(xin)(xin)(xin)(xin)息(xi)(xi)數(shu)(shu)據(ju)庫的(de)網格化。車曉端建議，國(guo)家采(cai)取以行(xing)業(ye)監管(guan)數(shu)(shu)據(ju)縱向采(cai)集(ji)，地(di)方政(zheng)府橫向整合行(xing)業(ye)數(shu)(shu)據(ju)為模式，推(tui)(tui)進地(di)方信(xin)(xin)(xin)(xin)用(yong)(yong)(yong)信(xin)(xin)(xin)(xin)息(xi)(xi)共享平(ping)臺(tai)(tai)建設。國(guo)務院層面根據(ju)《社會信(xin)(xin)(xin)(xin)用(yong)(yong)(yong)體(ti)系(xi)建設規劃綱要(yao)（2014—2020年(nian)）》部署，協(xie)調推(tui)(tui)進行(xing)業(ye)信(xin)(xin)(xin)(xin)用(yong)(yong)(yong)數(shu)(shu)據(ju)體(ti)系(xi)建設（即縱向信(xin)(xin)(xin)(xin)用(yong)(yong)(yong)信(xin)(xin)(xin)(xin)息(xi)(xi)數(shu)(shu)據(ju)庫），實現各行(xing)業(ye)內(nei)(nei)部省市縣(xian)三級聯網的(de)監管(guan)信(xin)(xin)(xin)(xin)用(yong)(yong)(yong)數(shu)(shu)據(ju)庫建設，實現行(xing)業(ye)內(nei)(nei)部信(xin)(xin)(xin)(xin)用(yong)(yong)(yong)信(xin)(xin)(xin)(xin)息(xi)(xi)的(de)高(gao)效共享。國(guo)家指導各級地(di)方政(zheng)府構建跨(kua)部門、跨(kua)行(xing)業(ye)、跨(kua)系(xi)統(tong)的(de)地(di)方信(xin)(xin)(xin)(xin)用(yong)(yong)(yong)信(xin)(xin)(xin)(xin)息(xi)(xi)共享平(ping)臺(tai)(tai)（即橫向信(xin)(xin)(xin)(xin)用(yong)(yong)(yong)信(xin)(xin)(xin)(xin)息(xi)(xi)數(shu)(shu)據(ju)庫），實現在一定區域內(nei)(nei)的(de)各類信(xin)(xin)(xin)(xin)用(yong)(yong)(yong)信(xin)(xin)(xin)(xin)息(xi)(xi)的(de)互(hu)通共享。

　　二是(shi)完(wan)善法(fa)(fa)律法(fa)(fa)規(gui)體系(xi)，為信(xin)(xin)(xin)(xin)用(yong)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)共(gong)(gong)享提(ti)供制度保障。目前(qian)協調各(ge)部(bu)門(men)，推動(dong)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)開放與共(gong)(gong)享是(shi)信(xin)(xin)(xin)(xin)用(yong)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)共(gong)(gong)享平(ping)臺建設的最(zui)大困難(nan)與障礙。車(che)曉端建議，應從(cong)法(fa)(fa)律高度，推進信(xin)(xin)(xin)(xin)用(yong)立法(fa)(fa)工作，明確(que)各(ge)部(bu)門(men)信(xin)(xin)(xin)(xin)用(yong)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)公開的內容、范(fan)圍和(he)方式，使信(xin)(xin)(xin)(xin)用(yong)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)征集、查詢、應用(yong)、互聯互通、信(xin)(xin)(xin)(xin)用(yong)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)安全和(he)主(zhu)體權益保護等有法(fa)(fa)可依，為信(xin)(xin)(xin)(xin)用(yong)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)共(gong)(gong)享平(ping)臺采集、整合與使用(yong)信(xin)(xin)(xin)(xin)用(yong)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)創造制度條件。

　　三是推進(jin)金(jin)融(rong)征(zheng)(zheng)信(xin)系(xi)(xi)統(tong)(tong)整合管(guan)理(li)(li)，提(ti)升(sheng)(sheng)區域(yu)分(fen)(fen)中心的(de)功能。車曉(xiao)端(duan)建(jian)議，國(guo)家要注重加強金(jin)融(rong)征(zheng)(zheng)信(xin)系(xi)(xi)統(tong)(tong)基礎設(she)施和技術創新，推動銀行、證券、保險、外匯等(deng)金(jin)融(rong)管(guan)理(li)(li)部門之間信(xin)用(yong)(yong)信(xin)息(xi)(xi)系(xi)(xi)統(tong)(tong)的(de)鏈接，推動線上線下(xia)信(xin)用(yong)(yong)信(xin)息(xi)(xi)數據的(de)整合，推動金(jin)融(rong)業統(tong)(tong)一征(zheng)(zheng)信(xin)平臺建(jian)設(she)，推進(jin)金(jin)融(rong)監管(guan)部門信(xin)用(yong)(yong)信(xin)息(xi)(xi)的(de)交換與共享(xiang)。在此基礎上，要給予各級分(fen)(fen)中心更多數據管(guan)理(li)(li)功能，強化區域(yu)征(zheng)(zheng)信(xin)分(fen)(fen)中心與地(di)方信(xin)用(yong)(yong)信(xin)息(xi)(xi)共享(xiang)平臺的(de)對接融(rong)合，提(ti)升(sheng)(sheng)征(zheng)(zheng)信(xin)系(xi)(xi)統(tong)(tong)服務地(di)方的(de)水平與效率。

　　四是推進信息(xi)源的(de)協調聯(lian)動，壓縮(suo)金(jin)融風險防控漏洞。車曉端建議，國家指導在縣級及(ji)以(yi)上(shang)城市(shi)設立公共征(zheng)(zheng)信機(ji)構，依托互聯(lian)網技(ji)術，實(shi)現公共征(zheng)(zheng)信機(ji)構與各行業(ye)后臺(tai)信用(yong)信息(xi)的(de)實(shi)時互聯(lian)互通，及(ji)時協調各部(bu)門的(de)協同(tong)聯(lian)動，扎(zha)緊(jin)籬(li)笆，堵住漏洞。

　　五是加(jia)快制(zhi)定(ding)信(xin)(xin)用(yong)(yong)(yong)信(xin)(xin)息標(biao)準體(ti)系(xi)，為(wei)信(xin)(xin)用(yong)(yong)(yong)信(xin)(xin)息共享提(ti)供技術支撐。車曉(xiao)端建議，政府要以數據標(biao)準化(hua)(hua)和(he)應(ying)用(yong)(yong)(yong)標(biao)準化(hua)(hua)為(wei)原則，制(zhi)定(ding)全國統一的信(xin)(xin)用(yong)(yong)(yong)信(xin)(xin)息采集和(he)分(fen)類管(guan)理標(biao)準，分(fen)階段、分(fen)步(bu)驟推進信(xin)(xin)用(yong)(yong)(yong)信(xin)(xin)息的標(biao)準化(hua)(hua)、規范(fan)化(hua)(hua)建設(she)，提(ti)高信(xin)(xin)用(yong)(yong)(yong)信(xin)(xin)息的共享通(tong)用(yong)(yong)(yong)性(xing)、標(biao)準統一性(xing)。