公共物品属性下的我国个人信用体系研究

Research on Our Personal Credit System from the Property of Public Goods

我国个人信用缺失的根本问题在于个人信用体系尚未建立。通过对我国个人信用体系的发展现状进行分析研究,结合对个人信用体系的公共物品属性的分析,得出我国个人信用体系的构建要采取政府主导、市场推动的模式,并提出通过政府的强制性制度变迁重建我国的个人信用体系。

The lack of China personal credit is basically due to non - establishment of personal credit sys-tem. Through the analysis and research about the developing status of China personal credit system,it is con-clude from the property of public goods in personal credit system that China personal credit system should be established by the model of government leading and market promoting. Finally,it is suggested that government should establish China personal credit system by the compulsory system change.