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建立信用档案就是使授信单位可以准确地掌握受信部门或个体的具体情况,降低信用风险而带来的损失。信用风险的管理是主旨,信用档案是达到主旨的手段。信用档案必须对信用风险存在的部门建档,并根据信用风险的等级对所建档案划分等级。 信用主要分个人信用和企业信用两大类,所以信用档案也就有两类:个人信用档案和企业信用档案。个人信用档案是对个人信用状况的一种记载,由三方面构成:个人的身份证明及社会档案(主要在品行方面)、个人的收入及
The establishment of credit files is to enable credit units to accurately grasp the specific circumstances of the trusted departments or individuals to reduce the credit risk and the losses. Credit risk management is the main purpose, credit files are the means to achieve the thrust. The credit file must document the department in which the credit risk exists, and classify the file according to the credit risk rating. Credit is divided into two categories of personal credit and corporate credit, credit files there are two categories: personal credit files and corporate credit files. Personal credit record is a record of personal credit status, composed of three aspects: personal identification and social files (mainly in terms of conduct), personal income and