完善个人信用制度 促进消费信贷发展

大力推行消费信贷之际，消费者是否讲信用以及讲信用的程度埋接影响着消费信贷的发展。我国在消费信贷的实施过程中出现一些信用方面的缺陷，客观形势要求我国应对个人信用加以规范，建立与完善个人信用制度。其基本内涵包括个人信用登记、个人信用评估、个人信用风险预警个人信用风险转移以及个人信用风险管理。

Whether the customers have the credit and the degree of the credit, which influence the development of consumer loan during the period of carrying out consumer loan directly. There are some flans in the aspect of credit during the process of implementing cousumer loan in China. The objective situation request the specifications of individual credit，the establishment and improvement of individual credit system. Its essential connation contains the individual credit register，the individual credit estimate，the individual credit risk early warning，the individual credit risk transfer and the individual credit risk management.