我国个人信用领域中的不和谐因素及管理体系建设

On inharmonious factors in the field of personal credit and the suggestions of the construction of credit management system

信用危机是当今我国经济社会面临的重大问题,影响着我国经济市场的良性发展。个人信用是社会信用的基础和核心,随着个人信用消费规模的扩大,金融机构和其他部门对个人信用数据需求的增加,个人信用管理体系的重要性日益显著。文章简要分析了我国个人信用管理体系的不和谐因素,并结合美国个人信用管理的模式和经验,对现阶段我国个人信用管理体系的建设提出了合理化建议。

Credit crisis is an important problem of economic society of China, which affects the development of the construction of China＇ s economic market. Personal credit is the foundation and core of social credit. With the expan- sion of personal credit consumer scale and the increase of the personal credit data needs of financial institutions and other departments, the importance of personal credit management system is increasingly significant. This paper brief- ly analyzed the inharmonious factors of the personal credit management system of China. It put forward some reason-able suggestions of the construction of personal credit management system at the present stage of China combining with the U. S. model and personal credit management experience.