【作者】 李岷；

【导师】 甘立平；

【作者基本信息】 中国农业大学 ， 农业经济管理， 2003， 硕士

【摘要】 现代社会中，信用一方面表现为人们心理上的信任感，另一方面表现为一种借贷活动，它遍布整个市场经济，构成了信用经济的基础。在由国家信用、企业信用和个人信用组成的信用体系中，个人信用具有重要的地位，它的发展状况直接影响到信用体系的发展。目前，虽然我国经济呈现持续稳定增长态势，但消费需求不足等因素仍然是抑制经济增长的主要因素。促进消费需求增长的主要动力是消费信贷，而个人信用制度建设的主要服务目标也是消费信贷。因此，为了推动消费需求的增长，建立个人信用制度迫在眉睫。 20世纪30年代，美国已经开始个人信用制度建设，迄今已经发展成世界上个人信用制度最完善的国家。健全的相关制度体系和成熟的个人信用征信产业为我国建立个人信用制度指明了发展的方向。在借鉴美国模式的基础上，我们应该结合我国的社会环境、经济发展水平和道德文化传统，建立具有中国特色的个人信用制度。 本论文主要从五个部分进行论述，第一部分为引言；第二部分和第三部分主要论述个人信用制度在信用经济中的重要性和必要性，这两部分主要解决制度要不要建设的问题；在分析了重要性和必要性的基础上，第四部分提出了个人信用制度建设的参照系，说明了按照什么模式建设的问题；第五部分对全文进行总结性论述，建设性地提出了我国个人信用制度怎样建设的建议。 目前，我国对于个人信用制度的研究主要集中在制度的表层，并且研究内容非常分散，理论化、系统化的理论体系尚未形成。在这种情况下，从制度建设的长远角度出发，在对个人信用制度进行宏观和微观分析、外国经验借鉴和我国相关案例研究的基础上提出建立我国个人信用制度的架构具有现实意义。更多还原

【Abstract】 In modern society, on one hand , credit is the reflection of a felling of trust. On the other hand, it is a behavior of lending or borrowing. It sets the base of economy all through the market. The developing trend of personal credit, which makes up the credit system consisting with government credit and corporate credit, directly effect the prosperity of the credit system. At present, although there is still stable upward in national economy, consuming demand causes the negative influence into growing economy. The strong power to push forward the economic growth is the consuming credit that at the same time is the serving goal of the personal credit system. Therefore, in order to improve the consuming demands, the establishment of personal credit system is the present key.At 1930s’, American has start to construct personal credit system. By far, it has been the most perfect nation on personal credit system in the world. Advanced relevant institutions and personal credit investigating industry enlighten national direction of construction of personal credit system. On the basis of the experiences of American development, we should integrate the social situation, economic level and moral habit to establish the personal credit system characterized of china.The thesis includes five parts. First is the profile. Second and third parts show the importance and necessity of personal credit system to solve whether or not to construct. Fourth part provides American as the mirror of system construction to embody construction examples. By the end, fifth part gives comprehensive argument about the suggestions of how to construct the china personal credit system.Presently, the research of china personal credit system is shadow and sparsely. There still has not a theoretically and systematically sketch in studying. In this environment, analysis from micro and macro economy will have important effect in the long run.更多还原