构建我国个人信用管理体系之浅见

A Discussion of Constructing Our Country's Individual Credit Management System

个人信用制度是成熟的市场经济的产物 ,从其产生起至今已有近百年的历史。完善的个人信用体系 ,可以推动消费信贷的迅速发展。扩大内需、鼓励消费是保持我国经济发展的重要措施。我国居民拥有的金融资产已达 8万亿元 ,拥有日益巨大的消费能力。为刺激消费市场发展 ,构建个人信用体系已经成为当务之急。

Personal Credit System is the product of mature market economy. It is almost a hundred years since its birth. A complete personal credit system can greatly push the development of consumption credit. Enlarging internal demand and encouraging consumption are important measures to keep our country's national economy growing. The total financial assets the Chinese hold have amounted to RMB 8 trillion and have a huge consuming potential. It is right time to establish the personal consuming system in order to stimulate the development of the consumption market.