基于电子商务应用的个人信用体系建设策略

On the Practical Strategies of Personal Credit System Construction in E-commerce

本文认为,我国电子商务的发展离不开信用体系的支持,而个人信用体系则是整个信用体系的基础。个人信用体系的建立与完善需要一个过程,加速这一过程最有效的方法是电子商务实践与应用,将具有可操作性的实践活动由分散的点到局部的线再到整体的面层层推进,最后建立起面向全社会的完善的个人信用体系。建立并完善个人信用体系,在宏观层面,应建立与完善分散的务实的个人信用体系和全面服务于社会的第三方个人征信体系,推进以行业应用为主的个人信用体系的联合与过渡。在微观层面,则应加强网上身份认证管理,确保网络身份的真实性;改进评价方法与规则,加大对交易过程和交易数据的监控力度,提升信用数据的可靠性;从技术角度提高系统的安全性,保障信息与支付安全。

Personal credit system is the basis of the whole credit system, which has promoted the E-commerce in China. How to set up an effective personal credit system applicable to China＇s economic development rapidly？ On it, a great amount of specialists and scholars have exerted themselves to try to find some useful ways and made various kinds of valuable suggestions. The author points out that it needs time to set up and perfect a personal credit system. The most effective way to hasten the process is to employ E-commerce. That is, it ranges from some scattered places to the entire area of the society in order to build a perfect personal credit system to meet the needs of the whole society and propel China＇s E-commerce and economy forward.