比较视野下论我国征信体系的发展与完善问题

On Development and Improvement of China's Credit Information System from a Comparative Perspective

征信在国外已有100多年的发展历史,已形成较为完善的征信体系和完整的征信产业链。通过对信用发达国家征信体系的比较,系统分析当前我国征信体系存在的供求不足和制度短缺等问题,并借鉴国外先进经验和教训,提出发展和完善我国征信体系的思路和措施。

Credit information, with a history of more than 100 years in foreign countries, has established a relatively perfect credit information system and a complete industrial chain of credit information. By comparing credit information systems in developed countries, a systematic analysis is made on such problems for the current credit information system in China as, a shortage of supply and demand, lack of institutions, etc. On the basis of taking foreign advanced experience and lessons, ideas and measures are proposed for the development and improvement of China＇s credit information system.