美国个人信用信息管理对我国的启示

Enlightenment of America Personal Credit Information Management on China

在市场经济体制下,信用是社会经济运行的最重要基础之一。我国信用信息管理和建设尚处于起步阶段,与发达国家特别是美国相比,有较大的差距。美国个人信用信息管理的许多方面,尤是在在法律体系、征信标准、经营模式、市场需求、信息公开和个人隐私权保护等几个方面,对于我国都具有重要的参考价值和借鉴意义。

Under the market economy system, the credit is one of the most important foundations of social economy. The China credit information management and the construction comparing with the developed country specially America and that was still at the start stage has the big disparity. We can adopt some enlightenment from the America credit system of laws, standard, mode, market, information publication and personal privacy protection.