Credit reporting is the act of gathering information about the behaviour of borrowers and making such information available whenever a decision is to be made regarding a borrower's application for new credit. Following the introduction of credit bureaux in Nigeria in 2007, in 2017 the federal legislature enacted the Credit Reporting Act, creating a legal framework for the implementation of credit reporting and codifying global best practices adhered to in the practice and administration of credit reporting. This article examines the act in the light of its objectives and attempts to determine whether the legal framework it provides is conducive to the achievement of these objectives. It also considers the factors that might militate against the effective running of a credit reporting system in Nigeria and suggests measures to deal with these challenges.

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对 2017 年尼日利亚信用报告法的评估

信用报告是收集有关借款人行为的信息并在决定借款人申请新信贷时提供此类信息的行为。继 2007 年在尼日利亚引入信用局之后，联邦立法机构于 2017 年颁布了《信用报告法》，为实施信用报告创建了一个法律框架，并将在信用报告的实践和管理中遵守的全球最佳实践编纂成法典。本文根据其目标审查该法案，并试图确定其提供的法律框架是否有利于实现这些目标。