金融牌照在市场中具有稀缺性特点,且价值较高,因此吸引了具备实力的企业尝试开展此类业务并申请牌照。这推动了获牌企业的良性竞争,有利于在市场机制的调控下通过优胜劣汰加快产业发展。央行1月5日印发《关于做好个人征信业务准备工作的通知》,要求8家机构做好个人征信业务的准备工作,准备时间为6个月。8家企业涵盖了重资产模式、轻资产模式、互联网模式等多种模式的企业,这些模式多元化的企业与央行征 Financial licenses, which are scarce in the market and of high value, have attracted competent companies to try and apply for licenses for such businesses. This promotes the healthy competition of the licensed enterprises and is conducive to speeding up industrial development through the survival of the fittest under the control of the market mechanism. On January 5, the central bank issued the “Notice on Doing a Good Job of Personal Credit Investigation Business”, requiring 8 institutions to prepare for the personal credit investigation business, with a preparation time of 6 months. Eight companies covered a variety of modes, such as heavy asset mode, light asset mode and internet mode. These diversified enterprises and central bank levy