AnaCredit is a multi-purpose shared data set containing loan-by-loan information on credit extended by credit institutions to companies and other legal entities, and it is conceived primarily as a common granular analytical credit database, shared between the Eurosystem members and comprising input data from all Member States whose currency is the euro; AnaCredit is open to non-euro Member States. However, in order to join AnaCredit, the non-euro Member States must meet a series of requirements set out by the European Central Bank. This article focuses on the legal challenges regarding the lack compatibility between these mandatory preconditions established by the European Central Bank, on the one hand, and the European Union primary law, on the other hand.

AnaCredit是一个多用途共享数据集，包含信贷机构向公司和其他法律实体提供的信贷逐笔贷款信息，主要被视为通用粒度分析信贷数据库，在欧元体系成员国之间共享并包含输入来自所有货币为欧元的成员国的数据；AnaCredit向非欧元区成员国开放。但是，为了加入AnaCredit，非欧元区成员国必须满足欧洲中央银行规定的一系列要求。本文着眼于一方面是欧洲中央银行确立的这些强制性先决条件与另一方面是欧盟主要法律之间缺乏兼容性的法律挑战。