【摘要】：個人信用制度是市場經(jīng)濟(jì)的重要構(gòu)成部分，是其健康有序進(jìn)行的制度保障。與大多數(shù)發(fā)達(dá)國家相比，我國的個人信用制度建設(shè)時間比較短，相對落后。例如英國建立的信用調(diào)查機(jī)構(gòu)要比我國早一百多年。我國第一個信用評價的專職機(jī)構(gòu)是上個世紀(jì)三十年代創(chuàng)建的中國征信所，從此我國的個人信用業(yè)走進(jìn)了人們的視野。在上個世紀(jì)末，我國國內(nèi)經(jīng)濟(jì)發(fā)展不景氣、內(nèi)需不足，在這種情況下，我國提出了發(fā)展個人信用制度，并隨著商業(yè)銀行大量開展個人消費信用貸款業(yè)務(wù)而產(chǎn)生的。至此，個人信用制度在我國已經(jīng)有了初步的發(fā)展，本文的目的就是研究進(jìn)一步完善我國信用制度需要綜合的利用各種措施，通過對比分析，歸納，總結(jié)等研究方法，在國內(nèi)外學(xué)者研究的基礎(chǔ)上，建設(shè)性的總結(jié)出完善我國信用制度的措施，如加快個人信用制度建設(shè)的立法工作，其中包括綜合性的立法和專項立法都要同時進(jìn)行；在全國建立統(tǒng)一的個人信用檔案登記制度，利用已有的銀行儲蓄實名制，建立個人賬戶，加快網(wǎng)絡(luò)建設(shè)，共享個人信息；個人信用評估機(jī)制方面，，完善評估的指標(biāo)方法，同時要按市場化方式設(shè)立信用征信機(jī)構(gòu)和中介機(jī)構(gòu)。
[Abstract]:Personal credit system is an important part of market economy and the guarantee of its healthy and orderly development. Compared with most developed countries, China's personal credit system construction time is relatively short, relatively backward. Britain, for example, set up a credit research agency more than a hundred years earlier than China. The first professional institution for credit evaluation in China is the China Credit Information Institute, which was founded in the 1930s. Since then, the personal credit industry of our country has come into people's view. At the end of last century, our country's domestic economy development is depressed, the domestic demand is insufficient, in this case, our country proposed to develop the personal credit system, and along with the commercial bank to carry out the personal consumption credit loan service in a large amount and produced. At this point, the personal credit system has made a preliminary development in our country. The purpose of this paper is to study the comprehensive use of various measures to further improve our country's credit system, through comparative analysis, induction, summing up and other research methods. On the basis of domestic and foreign scholars' research, constructive summary of measures to improve our credit system, such as speeding up the construction of personal credit system legislation, including comprehensive legislation and special legislation should be carried out at the same time; Establish a unified personal credit file registration system throughout the country, make use of the existing bank savings real name system, establish personal accounts, speed up the construction of the network, and share personal information; In the aspect of personal credit evaluation mechanism, we should perfect the index method of evaluation, and set up credit information institutions and intermediary organizations according to the marketization mode at the same time.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：D920.4

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