論轉軌時期如何建立個人信用體系

金融論文編號：JR095   論文字數:8250,頁數:13

  目    錄
摘    要……………………………………………………………………Ⅰ
Abstract……………………………………………………………………Ⅱ
一、個人信用體系現狀及存在問題
（一）個人信用體系現狀……………………………………………………1
（二）個人信用體系存在問題………………………………………………1
二、核心問題處理……………………………………………………………2
（一）信用數據庫建設問題…………………………………………………2
（二）個人信用評分系統……………………………………………………4
（三）個人信用報告的市場投放……………………………………………5
三、建設個人信用體系策略…………………………………………………6
（一）加大對信用文化的投入………………………………………………6
（二）政府介入其中發揮積極作用…………………………………………6
（三）建立個人信用公司引入戰略投資者…………………………………7
（四）升級目前已有系統……………………………………………………7
（五）建立個人信用行業自律與監管委員會或者行業協會………………8
參考文獻………………………………………………………………………9
致    謝 ……………………………………………………………………10

摘  要
個人信用體系是信用建設一個首當其沖的環節。我國經濟快速發展的同時，個人信用問題相當突出：一方面，國民的信用素質低下，另一方面，對個人信用的投資尚處于起步階段，如數據庫的建設，個人信用評分體系建設，信用立法等，都是關乎個人信用體系建設的核心問題。數據庫的建設應該著重于數據的完整與及時,并注意禁忌；個人評分體系則應該側重于評分的標準的完善與規范，適當借鑒國外的經驗；而立法則更應該謹慎與周全;同時文化建設也應該加強。

關鍵詞：個人信用；信用問題；數據庫

Abstract
Individual credit system is the credit constructs the link which bears the brunt.Our country economy fast development at the same time, individual credit question is quite prominent: National's credit quality is at the same time low, on the other hand, still was at the start stage to individual credit investment, like the database construction, individual credit grading system construction, the credit legislation and so on, all was concerns individual credit system construction the core question.The database construction should emphatically in the data integrity and prompt, and pays attention to the taboo; Individual grading system should stress on the grading standard consummation and the standard, suitable model overseas experience; But sets up the principle to be supposed to be discrete and to be complete; Simultaneously the cultural reconstruction also should strengthen.

Key words：Personal Credit；Credit question; Database