国外信用管理体系及其启示

征信（信用调查）是市场经济的重要基础之一。发达国家一般通过立法对征信行为进行规范，既重视征信数据为市场参与者服务，又重视对消费者权益的保护。这对我国是很有启示意义的。我国在用立法手段建立征信市场的同时，还应当重视对消费者权益的保护和对失信者惩罚机制的建设。

Foreign Credit Management System and Its Enlightening for Us

Credit investigation is one of the important bases of the market economy. Generally speaking, in de- veloped countries, it is stipulated that credit investigation behaviors be ruled by the laws. They are not only pay attention to serve market participates, but also pay attention to protect the consumers rights. We can gain a good deal of enlightenment from their experience. We should set up credit investigation system by legislations and we also need to set up punishment mechanism for those people who breaking his promise.