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诚信(honesty)是一种积极、良好的社会关系和互动状况,它的基本意涵是人们在社会交往过程中应诚实无欺、行为守信。诚信涉及到信用(credit)、诚实(sincerity)、信任(trust)、信誉(reputation)等一些重要方面的内容。在西方发达国家,个人信用制度的具体运作机制主要包括:个人信用登记机制、个人信用评估机制和个人信用风险机制。当前国际上,在信用体制方面主要有三种比较成熟的模式:市场化模式,以美国、英国为代表;中央信贷登记模式,以欧洲大陆一些国家如德国、法国、比利时等为代表;以银行协会会员制机构与商业性机构合作模式,以日本为代表。这三种模式各具特色,适合于不同的国情。
Honesty (honesty) is a positive and good social relations and interactive state, its basic meaning is that people in the process of social interaction should be honest and act in good faith. Integrity involves some important aspects of credit, sincerity, trust, reputation, and more. In western developed countries, the specific operation mechanism of personal credit system mainly includes: personal credit registration mechanism, personal credit evaluation mechanism and personal credit risk mechanism. At present, there are mainly three mature modes in the credit system: the market-oriented model, represented by the United States and the United Kingdom; the central credit registration model represented by some countries in the European continent such as Germany, France and Belgium; the Bankers Association Membership agencies and commercial agencies cooperation model, represented by Japan. These three models have their own characteristics, suitable for different national conditions.