个人信用征信系统研究

Research for Person Credit System

个人信用征信系统是指由第三方机构将分散在各商业银行和社会有关方面的个人信用和信誉信息汇集起来，进行存储、加工， 形成个人信用信息档案数据库， 为银行和社会有关方面了解个人信用和信誉状况提供咨询服务． 分析了我国个人信用系统的现状，提出了一个层次化模型，用于个人信用征信系统结构设计， 提高系统伸缩性和可靠性， 以实现在不同的个人信用征信系统间进行信息交换．

Personal Credit System collects individual information about credit and reputation from commercial banks and other government or social institutions. PCS stores and processes this information and forms a database, so as to supply information service for bank or connected field of the society. This paper analyzes Chinese PCS status and a Layer-model that helps designing of the PCS structure in order to improve the reliability and flexibility of the system, the allows PCSs to exchange credit information or connect to international PCS.