从世界经验看我国征信业的发展模式

Looking at credit investigation industry in our country based on global experiences

征信是市场经济发展的必然产物,世界许多国家的征信业已经较为成熟,也形成了各自的发展模式。我国征信业刚刚起步,发展模式不清。文章旨在通过借鉴征信国家的模式,取他山之石,对我国征信模式及实施过程中应注意的问题提出有益的建议。

Credit investigation is necessary in market economy. There are different kinds of credit investigation models in different countries. Credit investigation profession in our country has been developed some years before, but it has not a clear model yet. This paper is to put forward our credit investi gation model through drawing lessons from other countries' models and to give some advice for implementation of the model.