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China’s legal system is gradually maturing. With the needs of social development and economic construction, various laws and regulations have emerged, but credit reporting legislation still lags behind. The promulgation of this regulation will fill the gaps in my country's credit reporting legislation and is of great significance to promoting the healthy development of my country's credit reporting industry. Some netizens pointed out that once the Credit Information Management Regulations are passed, their contents and provisions can become the legal basis for court judgments, which shows that my country's credit information legislation has entered the fast lane.

1. my country’s credit reporting legal system has been established for some time, but there is still a long way to go to establish a unified credit reporting legal system. Most of the existing credit reporting laws and regulations are regulations and local regulations, showing a trend of departmentalization and regionalization, which is contrary to the inherent requirements of the market economy for a unified market. In addition, existing regulations themselves need to be improved. Therefore, with the long-term goal of formulating unified credit reporting laws or administrative regulations as soon as possible, the "Credit Reporting Management Regulations" are publicly solicited for opinions, which has important theoretical and practical significance for promoting the credit progress of the entire China and even the long-term development of the Chinese economy. For China's immature credit reporting industry, accelerating the legislative process and strengthening effective management of the credit reporting industry are inevitable requirements to ensure the sound and rapid development of the credit reporting industry and the market economy.

2. Pass legislation to require credit information providers such as commercial banks to notify companies or individuals in advance when reporting bad credit information of companies or individuals to credit reporting agencies to ensure the accuracy of credit information. On the one hand, it is conducive to improving the legitimacy of the credit investigation process; on the other hand, it is also conducive to reducing subsequent social costs, including litigation costs. As operators, banks should bear more social responsibilities in reminding them of credit risks. Before providing adverse records to the credit reporting system, a goodwill confirmation system should be established, the parties should be notified in writing in a timely manner, and the parties should be provided with opportunities and channels for objection and defense.