我国个人信用征信制度建设存在的问题及建议

Problems in and Suggestions on the Establishment of Personal Cre dit Inquiry System in China

我国个人信用征信制度建设缺乏基础和统一规划 ,也没有完善的评价制度。建立我国个人征信制度应充分发挥政府部门和市场的调控作用 ,积极推进各项社会制度改革 ,培育和强化全民信用意识 ,借鉴国外先进经验 ,结合我国实情 ,建立科学的法律体系和评估标准。

The establishment of personal credit inquiry system in China lacks basis, unifie d planning and comprehensive evaluation system. In order to establish the system , we should give full play to the readjustment role of governmental departments and market, positively promote the reform of social systems, cultivate and stren gthen public awareness of credit, learn from foreign advanced experience, and es tablish a scientific legal system and appraisal criteria in line with the nation al realities.