建立个人信用制度,促进北京经济发展

Build up System of Personal Credit and Promote the Development of Beijing Economy

个人信用制度是整个社会信用体系的重要组成部分 ,尽快建立个人信用制度对促进北京经济发展具有重要的现实意义 :宏观上看 ,建立健全个人信用制度能够维护北京的市场秩序 ,保证市场竞争的有序进行 ,进而提高经济效率 ,带动北京经济增长 ;同时能够促进信用资源的共享、形成良好的信用环境 ;微观上看 ,个人信用制度有利于消除北京市个人信贷业务的“瓶颈”制约 ,促进形成银行新的利润增长点 ;另外 ,还可以摆脱束缚电子商务发展中网上支付的信用“怪圈”。因此 ,建立个人信用制度势在必行。

The system of personal credit is the important constituent in the whole system of society credit. There is realistic significance for promoting the development of Beijing economy in that builds up the system of personal credit as soon as possible. In view of macro analysis, that builds up the perfect system of personal credit can maintain the order of Beijing market and advance the economical efficiency, so accelerate the growth of Beijing economy. At the same time that can promote to share the resources of credit and form the good credit environment. In view of micro analysis, it can make for eliminating the neck of bottle in the consumer credit business and form the new point of growth in earning of bank. Otherwise it can break from the strange bondage of payment by network in the course of developing electronic trade. Therefore it is necessary and instant to build up the system of personal credit as soon as possible.