A Comparative Study of Cross-strait Credit Industry Management System

我國早年已與中國簽署《金融監管合作備忘錄》和《海峽兩岸經濟合作框架協議》，這標誌著兩岸經貿往來和金融合作進入制度化軌道，開啟了兩岸經貿關係的新紀元。自《海峽兩岸經濟合作框架協議》ECFA簽署以來，經貿聯繫及金融合作愈來愈緊密，兩岸金融機構及商貿企業信用業務大幅增長，信用管理將呈現跨地域、多層次、多元化的態勢。這時，徵信作為信用管理的起點和其基礎地位的重要性日益突顯，徵信領域廣泛且深入的交流合作愈發頻繁，兩岸徵信平台的彼此互相聯通將有助於形成良好的金融信用環境，而彼此徵信的聯通有賴於彼此對於對岸徵信業管理制度之瞭解。 本論文共分五章，第一章緒論;第二章針對徵信起源、定義、特徵、功能、分類及相關概念作說明，並介紹近代中西方徵信演進發展之概況;第三章以徵信機構體制為方向，說明徵信機構的定義、角色、分類、監管及設立退出條件，並對公共徵信機構與私營徵信機構進行比較。接著介紹世界上主要國家徵信機構發展之過程，並以此為基礎，對我國與中國徵信機構體制進行比較;第四章先點出隱私權與徵信間的衝突後，再介紹隱私權的內涵、發展，最後由隱私權衍生出信息隱私權之概念，並進而對徵信業務規則進行討論並比較我國與中國對於信息隱私權保護的差異性;第五章，總結兩岸徵信業之差異，期以之能作為兩岸共建聯合信息平台之基礎，並對兩岸信息共享提供未來發展方向之建議。Taiwan has signed "Financial Regulatory Cooperation" and "Cross-Strait Economic Cooperation Framework Agreement" with China in the early years, which marks that the cross-strait economics, trade exchanges and financial cooperation has been in the orbit, which opens up a new era of cross-strait economics and trade relations. Since the "cross-strait economic cooperation framework agreement" ECFA was signed, economic ties and financial cooperation are more closely. Substantial growth in cross-strait financial institutions, commercial enterprise type, and credit management will present cross-regional, multi-level and diversified trend. At this time, credit management between Taiwan and China can be as a basis to highlight the growing of more frequent exchanges and Cross-Strait economic cooperation. The establishment of Unicom credit information exchange platform between Taiwan and China will help create a good financial credit environment .For the goal, realization of the credit industry management system difference between Taiwan and China is a must. The paper is divided into five chapters: the first chapter is an introduction; the second chapter introduces credit origin, definition, features, functions, classification and related concepts, and makes an overview of the evolution and development of modern Western and Eastern countries; the third chapter discusses credit institution, indicating that the definition of credit institutions, the role of classification, the establishment of entrance and exit conditions, and the comparison between public credit institutions and private credit bureaus . Then, the paper introduces the world's major national development process of the credit bureaus, and on this basis, compare credit institution between Taiwan and China; the fourth chapter points out the conflict between privacy and credit, and then introduces privacy connotation, development, and finally privacy of information is derived from the concept of privacy. Then discuss the rules for the credit industry. Finally, make a comparison of Taiwan and China Information Privacy differences; the fifth chapter summarizes the differences between the two sides of the credit industry, in order that it can build a basis for cross-strait joint platform of credit information, sharing of credit information of Taiwan and China. Finally, the paper provides the future direction of the sharing of credit information between Taiwan and China