关于构建我国个人信用体系的建议

Advice on Setting Up China’s Personal Credit System

个人信用体系被金融界人士称为个人消费信贷的“润滑剂” ,这是根据发达国家消费信贷发展的经验而得出的结论。个人信用体系起着提高信贷效率 ,降低信用风险的作用。我国目前消费信贷中普遍存在信息非对称现象 ,严重阻碍了该业务的开展 ,解决的根本途径在于建立起以信用报告业为核心的个人信用体系。

Personalcreditsystemisregardedaslubricationoilforconsumercreditbyfi nanceexperts ,basedontherelativeexperienceofmanydevelopedcountries.Personalcreditsystem playsanimportantroleinimprovingtheefficiencyofcreditandloweringcreditrisk .Atpresent, therearehighdegreeofinformationasymmetryinconsumercerditinChina ,whichseriouslylimits thepromotionofconsumptioncredit.Accordingtotheauthor,thekeysolutionistosetupperson alcreditsystembasedoncreditreportingbusiness.