我国个人信用制度建设.pdfVIP

我国个人信用制度建设 摘 要 信用是经济活动中一种资金借贷行为和商品赊销行为，这种行为是商品经济发 展的必然产物。早在我国元朝时期，在城市中就产生了一些专门为商人提供信用调 查的机构。但是，受到小农经济的影响，以信用服务为主要内容的商业行为在当时 并未形成产业。随着我国经济的发展和社会结构的变革，商品经济的浪潮席卷中国 每一个角落。1932年，上海成立了第一家真正意义上的信用机构——中国征信所。 由此，中国的信用行为从真正意义上踏上经济舞台，并以其特有的魅力开始发挥不 可忽视的重要作用。 在整个社会信用体系发展的过程中，个人信用作为信用体系的基础备受瞩目。 良好的个人信用对维护社会政治经济生活的正常运转起着十分重要的促进作用。当 前，我国个人信用体系发展不系统、不健全。随着我国社会主义市场经济体制的逐 步建立和完善，个人信用中存在的问题日益凸显，对我国经济社会的影响越来越大。 为此，研究我国当前的个人信用体系现状，抓住当前个人信用体系的存在问题，探 索构建适合我国国情的个人信用体系，不仅具有重要的理论意义，而且是我国市场 经济快速、稳定、健康发展的迫切需要。 本文通过对我国信用体系的现状及评估方法的分析，力求探索完善我国个人信 用体系的新途径和新理论，总结如何更好的发展和完善我国个人信用制度，从而在 实践中对我国的个人信用体系建设起到一定的指导作用。 关键词：个人信用制度 个人信用体系 量化评估个人信用 指标体系 政策 I 我国个人信用制度建设 Abstract Crediting is the behavior of capital borrowing and commodities credit sale, which is the essential product of commodity economy. As early as in the Yuan Dynasty, there have been some institutions in cities providing credit investigation for the businessman. However, as limited by the small-scale peasant economy, the business activities mainly providing credit service were not fully developed at that time. With the economic growth and the reform of social structure, the wave of commodity economy has been spread to all over China. In 1932, the first credit institution was officially founded in Shanghai-namely, China Credit Office. Since then, the credit operations of China have begun to play its role in the economic community with its unique charms. During the development of the entire social credit system, the personal credit has been given high attention as the basis of the credit system. A sound personal credit greatly helps the successful progress of social, political and economic causes. A