建立我国个人信用制度的对策探讨

Discussion on Countermeasure of the Establishment of Our Country′s Personal Credit System

通过分析个人信用制度在发达国家和我国的发展现状 ,指出了建立我国个人信用制度的必要性 ,并从成立行业管理机构、商业性资信机构及建立统一的个人信用实码制、个人基本财务体系、信用评估体系、信用风险转嫁机制等方面 ,进一步探讨了如何建立完备。

Necessarity of Establishing personal credit system in our country in discussed through analysis of the credit system situation both in China and other developed courtries.Further discussiones on how to establish a perfect and effective credit system such as set-up of administration agency,commercial credit agency,personal code system,presonal financial and assessment system,credit risk shift mechanism as well are also carried out.