关于构建我国个人信用制度的建议

Suggestions of Constructing Individual Credit System in our Country

个人信用制度是成熟的市场经济的重要表现,它起着提高信贷效率、降低信用风险的作用。目前我国个人信用制度基本上还是一片空白,严重阻碍了经济的发展。应建立个人基本账户制度,培育专业的个人信用评估机构,建立科学严谨的信用评价指标体系,创建必备的外部环境,健全相关的法律法规。

The individual credit system is the important exhibition of mature market economy, which plays the role of promoting credit effciency and reducing credit risk. At present,the individual credit system is almost blank in our country, which seriously impedes the economic development. We should establish individual basic account system,cultivate vocational individual credit evaluation agency,build scientific and strict credit evaluation index system,create necessary outside environment and perfect relevant laws.