家庭金融视角下社会信用体系建设研究

Study on the Construction of Social Credit System from the Perspective of Family Finance

目前社会信用体系未有效融合家庭这一社会单元,割裂了个人与家庭的天然联系,存在信息“孤岛”、缺少普适评价标准和综合评估机制。融入家庭金融思维,根据其在构建社会信用体系中的必要性,提出通过加强信息的多平台整合、建立规范有效的评价标准和模型、引入全新的征信运用思维的建议,强化法律法规体系建设,打造一个全新的征信体系发展模式。

At present,the social credit system has not effectively integrated the family as a social unit into the system,which has broken the natural connection between individuals and families.The main problems are as follows:“the isolated island”of information,lack of“universal”evaluation standard and“comprehensive”evaluation mechanism.Considering family financial thinking and analyzing the necessity in constructing social credit system,it’s suggested in the paper to strengthen the integration of multiple platforms of information,establish normative and effective evaluation standards and models,introduce new thinking of credit reference,strengthen the construction of laws and regulations system,and create a new development model of credit reference system.