《征信业管理条例》(以下简称《条例》)的颁布实施和《征信机构管理办法》的发布施行,让人民银行管理征信机构的法规和制度框架日益清晰,征信市场管理进入有法可依的轨道。目前,人民银行营业管理部已收到19家企业征信机构的备案准备材料以及2家个人征信机构的相关材料(其中1家征信机构兼营企业征信业务和个人征信业务)。以上述20家企业征信机构为基础,人民银行营业管理部通过资料检索、统计汇总、典型座谈和实地调研等 The promulgation and implementation of the “Regulations for the Administration of the Credit Information Industry” (hereinafter referred to as the “Regulations”) and the promulgation and implementation of the “Measures for the Management of Credit Reference Institutions” have made the PBC’s regulatory and institutional framework for the management of credit bureaus increasingly clear. Credit market management has entered into Law orbit. Currently, the PBC Business Management Department has received the record-setting materials from 19 enterprises’ credit reporting agencies and the relevant materials from 2 individual credit reporting agencies (including 1 credit reporting institution engaging in both business credit collection and personal credit business). Based on the above-mentioned 20 credit reporting agencies, the PBC Business Management Department through information retrieval, statistical summary, typical discussion and field research