美国帮助“信用隐形”消费者创建信用报告方法对我国的借鉴与启示

The U.S.Method of Helping"Credit Invisible"Consumers Create Credit Reports can be Used as a Reference and Inspiration for China

近年来,随着市场经济的发展和社会信用整体水平的提升,金融消费者对个人信用的重视程度也在不断增强。本文整合总结美国在解决“信用隐形”问题方面的可借鉴经验,探索我国信用弱势群体获得普惠金融信贷支持的路径和框架。

In recent years,with the development of the market economy and the improvement of the overall level of social credit,fi nancial consumers have also paid more attention to personal credit.Based on the experience of foreign countries,this paper explores the feasible suggestions for the development Inclusive fi nance in China.