论我国个人信用体系发展的障碍和对策

我国商业银行零售业务目前正面临“信用缺失瓶颈”,征信体系的建立是其发展的突破口。而发展征信业务面临的主要障碍是专门的管理机构未建立,市场化运作机制不健全和信用法规不完善,进一步加强我国商业银行零售业务发展和个人征信体系建立,也应该成为我国金融界的重大理论和现实课题。

The analysis about the obstacle and countermeasure of China's personal credit system development

For the moment, China's retail business of commercial banks is facing "Credit absence from Bottleneck", and the foundation of levy credit system is the breach mouth of its development. But the main obstacle of developing the levy credit system is that the special management institution has not been established, the incomplete of the markets running system and the unsound laws and regulations on credit. So it should become the important theory and realistic problem in China's financial circle to accelerate the retail business development of China's commercial banks and the foundation of the personal levy credit system further.