企業信用監管制度研究

Research on the Enterprise Credit Supervision System

我國企業信用監管存在不同監管部門職能交叉、監管領域地域條塊分割、事前監管有所弱化等問題，《中華人民共和國社會信用體系建設法（向社會公開徵求意見稿）》並未妥善解決之。我國企業信用監管根植於中國實踐，與西方市場型信用制度顯著不同，西方傳統的信用監管理論無法提供合理可行的問題解決方案。立足我國企業信用監管的歷史沿革，社會治理理論和信用風險管理理論的有機結合具有較強的解釋力。以之為指導，秉持國家治理的中國特色，貫徹治理和法治理念，實現監管主體多元協同、監管標準全國統一、監管方式上信用監管和傳統監管有機結合，才能不斷完善企業信用監管制度，不斷推進社會信用體系建設。

The Law of the People's Republic of China on the Construction of the Social Credit System (Draft for Public Consultation) has not properly solved the problems in China's enterprise credit supervision, such as the overlapping of functions of different regulatory departments, the regional fragmentation of regulatory areas, and the weakening of prior supervision. The enterprises credit supervision is rooted in China' s practice, which is significantly different from the western market - oriented credit system, and the western traditional credit supervision theory can not provide a reasonable and feasible solution to the problem. Based on the historical evolution of enterprise credit supervision, the organic combination of social governance theory and credit risk management theory has strong explanatory power. Guided by it, only by adhering to the Chinese characteristics of national governance, implementing the concept of governance and rule of law, realizing the diversification of regulatory bodies, the national unification of regulatory catalogs and lists, and the organic combination of credit supervision and traditional supervision of regulatory methods can we continuously improve the enterprise credit supervision system and continuously promote the construction of a social credit system.