提升银行信贷登记咨询系统的法律层次。银行信贷登记咨询系统管理不仅涉及境内全部金融机构,还涉及所有与银行有信贷关系的企业,仅仅靠人民银行颁布管理办法的形式对系统的各方加以约束和协调,法律保障显然不足。因此,应尽快出台一部由人大制定的法律或国务院颁布的法规,协调和 Raise the legal level of bank credit registration consultation system. The management of bank credit registration and consultation system involves not only all the financial institutions in China, but also all the enterprises that have credit relationship with banks. It is obvious that the legal protection is obviously inadequate because of the restriction and coordination of all parties involved in the system by the PBC’s promulgation of management measures. Therefore, we should promulgate as soon as possible a law enacted by the NPC or the laws and regulations promulgated by the State Council, and coordinate and