完善我国个人信用制度的对策研究

发布时间：2019-01-11 07:55

【摘要】：个人信用制度是市场经济的重要构成部分，是其健康有序进行的制度保障。与大多数发达国家相比，我国的个人信用制度建设时间比较短，相对落后。例如英国建立的信用调查机构要比我国早一百多年。我国第一个信用评价的专职机构是上个世纪三十年代创建的中国征信所，从此我国的个人信用业走进了人们的视野。在上个世纪末，我国国内经济发展不景气、内需不足，在这种情况下，我国提出了发展个人信用制度，并随着商业银行大量开展个人消费信用贷款业务而产生的。至此，个人信用制度在我国已经有了初步的发展，本文的目的就是研究进一步完善我国信用制度需要综合的利用各种措施，通过对比分析，归纳，总结等研究方法，在国内外学者研究的基础上，建设性的总结出完善我国信用制度的措施，如加快个人信用制度建设的立法工作，其中包括综合性的立法和专项立法都要同时进行；在全国建立统一的个人信用档案登记制度，利用已有的银行储蓄实名制，建立个人账户，加快网络建设，共享个人信息；个人信用评估机制方面，，完善评估的指标方法，同时要按市场化方式设立信用征信机构和中介机构。
[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.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：D920.4

【参考文献】