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商业社会本质上是一个信用社会 ,但是我国的消费信贷却因个人信用难以评定而举步维艰 ,有鉴于此 ,政府应高度重视个人信用制度的建设。借鉴发达国家经验 ,加强信用立法 ,健全个人信用的法律环境 ,组建独立的专业个人信用评估机构 ,制定个人信用标准 ,划分个人信用等级 ,建立个人信用实码制和计算机联网查询系统 ,通过完善个人破产制度和信用担保机制 ,来解除银行的后顾之忧。
Commercial society is essentially a credit society, but our consumer credit is difficult to assess due to personal credit difficult, in view of this, the government should attach great importance to the construction of personal credit system. Drawing on the experience of developed countries, strengthening credit legislation, improving the legal environment for personal credit, setting up an independent and professional personal credit rating agency, establishing personal credit standards, dividing individual credit ratings, setting up personal credit rating system and computer networking inquiry system, Bankruptcy system and credit guarantee mechanism to lift the banks to worry about.