建设我国企业和个人征信体系研究——以鹤壁市为例

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1、中文摘要形成既有分工、又有市场竞争、运行高效的社会征信组织机构体系。(四)信用信息环境建设。信用信息环境建设办法是采用标准化的生产方式。(五)征信法规建设。尽快出台征信法规是我国征信体系建设的制度保障。应设置合理的立法的顺序，明确征信立法的调整对象，处理好征信立法中六个方面的关系。(六)信用文化建设。必须要加强征信知识的普及教育，采用多种形式培育信用文化。关键词：征信征信体系信用信息基础数据库公共品IIIAbstracCAbstractCreditiSkeytomaintainnormalsocialeconomicrel

2、ations．Thecorporateandpersonalcreditisthefoundationofthewholesocietycredit．Thewaybuildingupthecorporateandpersonalcreditsystemistheprocesswhichregulatesthepeople‘Sactions．Theprocessisofgreatimportancetodevelopmentofcreditmarket，foundationofgoodmarket，andBuildingof

3、aharmonioussociety．Fromthefinancialpointofview：Thecreditsystemcanreducethebadloansofthecommercialbanks，defusefinancialrisks，maintainfinancialstability，improveoperationalefficiencyandenhanceinternationalcompetitiveness．Fromtheeconomicpointofview：Thecreditsystemcanp

4、romoteconsumptionandthehealthygrowthofconsumercredit，EasethedifficultofSMElending，improvethestructureofeconomicgrowthandpromotesustainedandhealtheeconomicgrowth．Fromthesocialpointofview，thecreditsystemCanhelppeopletoraiseawarenessoftheintegrityinthewholesociety．Ho

5、wever，inourcountry，creditlossisextremelyserious，anditdirectlyembrrassestheadvancementofeconomy．inrecentlyyears，buildingupthecorporateandpersonalcreditsystemhasbecomeanurgentdemandofdevelopingthecrediteconomyandestablishingthestatecreditsystem．Thecreditsystemisacom

6、plexandsystematicwork，whichconcernsmanydepartmentinawiderange．TheantherunderstandsbroadlyChina’Screditsystemconstructionoftheexistingbuildingandforeigncreditindustryexperience．ThepaperresearchsthedevelopmentofHebi’Screditstatus．ThethesistakesthecreditsystemofHeibi

7、asthepracticalanalysis．ItdescribedChina’Scredithistoryandcreditinformationofsystembuildingasawhole．Fromtheeconomicsangleandusenewviewpointsandmethods，theauthorputforwardcreditinformationindustryasaninfrastructureinthetransitiontoamarketeconomyinChina．TheGovernment

8、shouldbeartheresponsibilities．Lastly，Theauthorproposalssomefeasibilityrecommendations．ThemainelementsInthispaper：China’Screditsystemconstructionisinthei