摘要
近年来,消费信贷在我国发展迅速,但个人征信制度的不完善已成为制约消费信贷发展的瓶颈。建立个人征信体系,发展消费信用,应从完善征信的法制环境、加强政府的协调与扶持、完善公共征信数据库、统一个人信用评估标准等方面入手。
Consumer credit has been growing rapidly in China in recent years. However, the imperfection of consumer credit reporting system has been a restriction on consumer credit. This paper brings forward several measures to establish a personal credit reporting system and facilitate the development of consumer credit. Those measures are： to perfect the legal environment of credit reporting, strengthen the government＇s coordination and support, improve the public credit registries and unify personal credit appraisal standards.
出处
《财经理论与实践》
CSSCI
北大核心
2006年第6期19-23,共5页
The Theory and Practice of Finance and Economics
基金
湖南省社科基金项目(05ZD08)
教育部人文社科基金项目(05JD790123)
关键词
消费信用
个人征信
不对称信息
交易成本
金融创新
政策举措
Consumer Credit
Consumer Credit Reporting
Asymmetric Information
Transaction Cost
Financial Innovation
Policies and Measures
