论上海个人征信业发展模式的选择

The Choice of Development Patterns of Shanghai Individual Credit Reporting System

目前引起全球金融危机的美国"次债危机"形成的原因之一就是对个人信用信息的滥用,这就要求我们要重视信用及其使用,并且调查表明信用交易的规模与经济发展存在正相关,因此加快我国征信体系建设已经成为当务之急。上海作为中国首个个人征信体系建设试点,对其个人征信业发展模式进行分析,对建立我国个人征信体系有着重要的意义。

The negative effect of subprime mortgage crisis is now spreading all over the world. One of the reasons is the abuse of personal credit information. Thus we should pay much more attention to personal credit and its usage. Some research shows that the size of credit transaction is positively correlated to economic development, and speeding up China＇s credit reporting system construction has become our priori construction of individual credit reporting system; It is of great significance Shanghai＇s individual credit reporting system construction. ty. Shanghai comes first in sense of the to analyze the development pattern of