对我国个人信用制度建立的思考

Exploration on the Perfection of China Private Credit System

个人信用制度是大力拓展消费信贷业务的基础和前提,也是市场经济国家信用制度体系的重要组成部分。我国个人信用制度的建立和完善要合理借鉴发达国家个人信用制度的成功经验,建立、健全信用立法,发展独立高效的信用中介机构,并建立完善的信用公示制度和信用风险防范机制。

Private credit system, part of the credit system in market economy country, is the premier and basis for the development of consumption credit. To set up and perfect our private credit system, we should using the successful experiences of private credit system in developed country for reference, strengthen credit legislations, develop efficient credit agency, establish credit publicity system and guarding mechanism for credit venture.