我国个人征信体系建设对策研究——基于博弈理论的思考

发布时间：2018-04-22 02:20

  本文选题：个人征信 + 征信体系建设　； 参考：《征信》2016年02期

【摘要】：借鉴经济学博弈理论,引入经典博弈模型,论证了市场经济条件下征信体系建设的必然性和重要性。通过与美国、英国和日本征信体系的对比,发现我国个人征信体系建设中存在法制不健全、征信数据来源面窄等若干问题。为完善我国个人征信体系建设,应加强信用文化建设,强化法律法规建设,加大宣传力度,拓宽征信内容,扩大信用报告应用范围,加强商业银行诚信建设。
[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.
【作者单位】： 中国建设银行股份有限公司西安长安路支行;
【分类号】：F224.32;F832.4
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本文编号：1785170