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一、建立个人信用信息资料库 市场经济也可以说是信用经济,信用无处不在,无处不有。个人信用对个人贷款业务的影响下不言而喻。但是目前我国还未建立有关个人信用资料库,商业银行无法了解并评估个贷申请人的信用状况。使个人贷款业务发展受到很大限制。由于信用法规还不够健全,个人信用风险较大,因此构建个人信用资料库十分必要。目前我国储蓄存款实名制的推行和人口普查工作的全面展开为其建立创造了一个较好的基础条件,另外我国信用卡业务经过十多年的发展已初具规模,这些都为其积累了大量个人信用资料,因此我国已经初步具备建立个人信用资料库的条件。
First, the establishment of personal credit information database Market economy can also be said that the credit economy, credit everywhere, everywhere. Under the influence of personal credit on personal loan business, it goes without saying. However, at present, China has not yet established a personal credit reference database, and commercial banks can not understand and evaluate the credit status of individual loan applicants. The development of personal loan business has been greatly restricted. Because credit laws and regulations are still not sound enough and personal credit risk is high, it is necessary to construct a personal credit database. At present, the implementation of the real name system of savings deposits in China and the overall census work have created a good foundation for its establishment. In addition, after more than a decade of development, China’s credit card business has begun to take shape. All these have accumulated a great deal of personal credit Data, so our country has preliminary conditions for the establishment of personal credit information base.