本文選題：個人征信 + 征信體系建設(shè)　； 參考：《征信》2016年02期

【摘要】：借鑒經(jīng)濟(jì)學(xué)博弈理論,引入經(jīng)典博弈模型,論證了市場經(jīng)濟(jì)條件下征信體系建設(shè)的必然性和重要性。通過與美國、英國和日本征信體系的對比,發(fā)現(xiàn)我國個人征信體系建設(shè)中存在法制不健全、征信數(shù)據(jù)來源面窄等若干問題。為完善我國個人征信體系建設(shè),應(yīng)加強(qiáng)信用文化建設(shè),強(qiáng)化法律法規(guī)建設(shè),加大宣傳力度,拓寬征信內(nèi)容,擴(kuò)大信用報告應(yīng)用范圍,加強(qiáng)商業(yè)銀行誠信建設(shè)。
[Abstract]:Referring to the economic game theory and introducing the classical game model, this paper demonstrates the inevitability and importance of credit system construction under the condition of market economy. By comparing with the credit system of the United States, Britain and Japan, it is found that there are some problems in the construction of personal credit system in China, such as imperfect legal system and narrow source of credit data. In order to perfect the construction of personal credit system in China, we should strengthen the construction of credit culture, strengthen the construction of laws and regulations, strengthen propaganda, widen the content of credit information, expand the scope of application of credit reports, and strengthen the construction of commercial banks' honesty and credit.
【作者單位】： 中國建設(shè)銀行股份有限公司西安長安路支行;
【分類號】：F224.32;F832.4
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本文編號：1785170