征信宣传教育的国际经验及启示

International Experiences in Credit Reference Publicity and Education

随着我国社会信用体系的不断完善,以信贷交易记录为核心的信用报告运用领域越来越广泛,对个人银行贷款、商业赊销、信用交易和应聘求职等产生了显著影响。开展征信宣传教育活动,对进一步建立健全社会信用体系,褒扬诚信,惩戒失信,有着重要的现实意义。英美等发达国家的征信业起步早,征信体系相对健全,学习借鉴其在征信宣传教育方面的成功做法和先进经验,对照查找我国征信宣传教育存在的问题和不足,对于推动我国征信宣传教育发展,提升个人信用意识和国民金融素质,有极大帮助。

In recent years, with the gradual establishment and improvement of a social credit reference system, credit information is increasingly affecting the daily lives of individuals; it＇ s of important practical significance to carry out credit reference publicity and education. The credit reference industry started rather earlier in Britain and other developed countries in which the credit reference systems are relatively sound, and has accumulated rich expe- riences in credit reference publicity and education, which gives reference for China. By analyzing the characteristics and experiences of credit reference publicity and education in Britain and America, the paper discusses the existing shortcomings in credit reference publicity and education in China and puts forward some proposals for strengthening our credit reference system.