浅谈我国个人信用制度的缺失及完善建议.doc

不同程度的信用制度完善程度塑造了各个社会体系不同的健全程度。就个人 信用而言，在发达国家，人们的每一项经济活动均被记录在案，并将其作为其社 会活动的基础，而高度发达的信用制度从侧面稳定了金融秩序。而我国个人信用 制度建立及消费信贷的建立，与发达国家相比确实存在一定差距。完善个人信用 制度是社会主义商品经济稳定流通的基础，个人信用制度的建立与完善对于拉动 需求、刺激消费、间接地增加就业、防范交易风险、刺激借贷市场等诸多方而具 有重大的意义。本文通过探讨个人信用制度的相关理论讨论了我国个人信用制度 存在的缺失及信贷体系的不完整，并论述分析欧美国家现采用的私营个人征信运 作模式和公井个人征信运作模式，结合我国国情析展开新的思考，提出一定的建 设对策。 关键词：个人信用制度个人征信运作模式建设对策 ABSTRACT Different levels of credit system consummation degree shaped the social systems of different sound levels. In terms of personal credit，in the developed countries, people of every economic activity have been put on record, and as the basis of their social activities，and highly developed credit system from the side to stabilize the financial order. And establishing personal credit system in China and the establishment of consumer credit，and exists certain gaps when compared with the developed countries. Perfect personal credit system is the foundation of socialist commodity economy steady flow，the establishment and perfection of personal credit system for demand，stimulate consumption, increase employment，indirectly prevent trading risks，stimulate lending market is of great significance. In this paper，by discussing on the relevant theories of personal credit system exists a lack of personal credit system in China is discussed and the incomplete credit system, and discusses the analysis of European and American countries now use the private personal credit registry operation mode and public personal credit registry operation model, combined with Chinas national conditions analysis a new thinking，put forward some countermeasures of construction. Key words￡° Personal credit system； Personal credit registry operation mode； building countermeasures 浅谈我国个人信用制度的缺失及完善建议 一、引言 1.1个人信用制度的概念及背景 现代社会文明中，人们对于经济活动以及芥种生活点滴均具有一种介于道德 与法律之间的约束力，人们通过对这种约束力的履行程度不同，塑造出不同状态 的个人行为、企业行为、以及政府行为，人们将这种约束力称之为“信用”。个 人信用制度的完善可以促进信用体系的发展，制约和惩罚失信行为，从而保障社 会秩序和市场经济的正常运行和发展。 西方发达国家经过多年的发展，社会信用体系日臻成熟，己建立健全一套完 整有效的个人征信制度。在这一制度的规范和约束K,整个社会形成了诚实守信 的良好氛围，