建立我国个人信用制度的研究-农业经济管理专业论文.docxVIP

摘 摘 要 鞲蜷℃毂会中，镶臻一方嚣豪瑰为太钠心理上熬售往感，舅～方瓣袭囊为一辣酱赞活动，它滚 布撼个市场疑济，构成了信_E|{|经济的基础。在由国家信用、企业信用和个人储用组成的信用体累 中·争灭蔫鬻其有重赘静蘧位，它静茇麓状瑟誊攘影响副借用体系的发展。嗣前，虽然我国经济 里现持续稳定增长态势。但漕赞震求不愿等因素仍然是搏裁经济增长缒主要曝素。键遴消费震袋 增长的主要动力是消赞信贷，而个人倍髑制度建设的主要臁务目标也是消费倍贷。因此，为了推 动瓣爨需求的增长，建立令人嵇掰裁度滚在疆陵。 20世纪30年代，美国邑蜕开始个人信用制度建设，j蠡今已经发展成世器上个人惯用制度耀 完饕的翟家。键垒的襁关铡寝体系耜成熟静个人龠璃征藉产韭为我溜建立个A信用制发指明了靛 展螅方向。在借鉴美嚣模式的蕊础上，粼】应该拣台我国瓣挂会环境、经济发最本平鞠道祷文饿 传统，建立凝有中嚣特色的个人信用制艘。 奉论文主要簌五个帮势避行论透，第一鄣势为翳言；第二帮分霸第三部分主要论述夺A错翔 制度在信用缝济中的鲎要性和必耍性，这髓部分童要解决谨4度要不要建设的闷题；在分析了重要 性鞫妊要经静基穑上，第西部分提出了个入信用制度建设静参照系，说碉了按照什么模式建设的 闻越；第置熬分对全文进抒总结性论述，建设性蟪提出T我国个夫谯翅毒4痊怎糕建设靛建议， 目前，我国对于个人信用制度的研巍主要集中在制度的表层，并且研究内容非常分散，理论 纯、系统纯貔理论体系浅来形成。在这神情嚣下-获裁度魏设斡最避角度寤黢，在对个走蓿翔制 度避幸亍宏观莘H微观分析、外国经验借鉴朝我国梢关察例研究的基础上提出建嶷我国个人信用制度 静辩构具有琥实意义。 关键词：个人信阁。消费惯用，个人信用制魔，征信 AbstractIn Abstract In modem society,on one hand，credit is the reflection ofa felling oftrust．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 pemonal 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 ofpersonal credit system is the present key． At 1930s’，American has start to construct pemonal 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 ofconstruction ofpersonal 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 ofchina． The