我国消费信贷中个人信用制度建设的思考

On Personal Credit System Construction of Consumer Credit in China

消费信贷作为刺激消费、扩大内需、推动生产、拉动经济的重要举措,促进了我国消费市场的发展,也推动了个人信用制度建设的发展,但消费信贷中的违约风险也随之加大。本文根据我国消费信贷中个人信用制度的发展现状,围绕消费信贷来分析信用制度缺失对消费信贷带来的风险,从而提出了建立和完善行之有效的个人信用制度的政策建议。

Consumer credit, as an important measure to stimulate the consumption, expand the domestic demand, promote the production and develop the economy as well, has promoted the development of consumption market in China and also contributed to the development of personal credit system construction. However, it also increases the defauh risk in consumer credit. This paper, based on status quo of the personal credit system of consumer credit in China, analyzes the risks that lack of credit system has brought to consumer credit revolving around the consumer credit and proposes to establish and perfect an effective system of personal credit system.