美国信用消费体系建设对我国的借鉴与启示

The Construction of the Credit System in America-A Reference and Inspiration

美国信用消费体系建设主要依赖于建立三个制度:完善的国家法律制度,包括信息披露规定和维护权益规定;严密的个人信用制度,包括严密的个人信用调查机制和规范的个人资信评估机制;健全的风险防范制度。美国信用消费制度建设,对完善社会主义市场经济制度具有一定的借鉴意义。

Credit system in America depends on three systems: 1) its integrated legal system, including the regulation of the information revealing and the protection of the civil right, 2)strict personal credit system, including meticulous mechanism of personal credit investigation and evaluating mechanism which standardizes personal credit, and 3) the mechanism keeping away the risks. We can use the experiences of the construction of the credit system in America for our reference.