健全我国个人征信制度的现实探讨

我国征信制度不完善成为制约消费信贷发展的极大障碍,主要表现在:个人信用信息封锁、个人信用评估指标体系不完善、个人信用中介机构运作不规范等。比较和借鉴发达国家个人征信制度的模式特点和有益经验,提出我国应选择以政府和央行为主导、以会员制为核心、以股份有限公司为主体的个人征信制度模式,以及加快个人信用数据库建设、促进个人信用中介机构发展、健全征信法律等现实策略。

Realistic Thinking on How to Improve China's Personal Credit Information System

The imperfect credit information system in China has become a significant barrier constraining the development of consumer credit.The symbols are primarily as follows: personal credit information being in blockade,personal credit evaluation index system being imperfect,no uniform criterion for the operation of individual credit intermediaries,and so on.Compared with and learnt from the model features of individual credit information system in the developed countries and their useful experiences,such realist...