完善我国个人信用体系的思考

On perfecting the individual credit system in China

在世界范围内,个人信用制度已经有150年的历史。在金融体系相对健全的发达国家,企业、银行可以通过付费查询的方式,从个人征信服务机构了解到公民的信用状况,从而决定是否与其发生经济关系。而在我国,个人信用长期以来却没有形成很好的制度。文章针对我国的实际情况,探讨了如何借鉴国外个人信用制度的成熟经验,健全和完善我国个人信用制度。

The history of individual credit system has been more than 150 years in the world. In the countries where the financial systems are well developed, the enterprises or banks could inquire the credit condition of a citizen from the individual credit service organization so that they could decide whether or not they will have business relationship with him or her. In China, the individual credit system has not been developed well. Based on the current situation of China, the paper analyzes how to perfect the individual credit system using the experiences of other countries for reference.