个人信用管理模式的建立和运用

The Establishment and Application of Personal Credit Management Model

信用是现代市场经济运行和发展的重要要素之一 ,信用的缺失和没有建立完善的信用管理体系是制约我国经济健康、持续发展的重大障碍。随着我国加入WTO后 ,市场经济的进一步发展和完善 ,个人金融服务的效率需不断提高。要求建立完善的个人信用体系和个人信用管理模式 ,从而加强对个人信用资源的整合和利用。

Credit is the foundation of economic activities.Credit deficiency and incomplete credit management system are a enormous barriers restricting our country'economic healthy and continuous development.After our country joins the WTO,market economy will be further developed and completed,which calls in for high efficiency of personal financial service.The establishment of complete personal credit system and the management model concerned,may help to strengthen the integration and utilization of personal credit resources.