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| 个人征信体系建设的国内外比较研究 目 录 一、个人征信体系概述···············································3 （一）研究背景和研究目的·········································3 （二）有关征信概念的解释·········································3 （三）个人征信体系的基本框架·····································4 二、我国个人征信体系建设···········································4 （一）我国征信体系的相关政策·····································4 （二）我国个人征信体系···········································5 （三）我国银行对个人的资信评级···································6 三、国外个人征信体系建设···········································6 （一）国外征信体系相关政策·······································6 （二）国外个人征信体系···········································7 （三）国外银行对个人的信用评级··································11 四、我国个人征信体系建设过程中存在的问题··························12 （一）社会经济主体的现代信用意识薄弱····························12 （二）现有征信立法亟待完善······································13 （三）征信监管的不力和行业协会自律机制的缺失····················13 （四）个人信用评级制度的缺陷····································14 （五）个人征信登记咨询系统的缺陷································14 五、国外经验借鉴及完善我国个人征信体系的建议····················15 （一）树立现代信用意识，营造信用环境，普及信用知识··············15 （二）健全并大力推广我国征信业立法，完善相关配套制度············15 （三）加强征信业监管和行业自律，建立高效的失信惩戒机制··········16 （四）制定科学、安全、统一的个人信用评估体系····················16 参考文献··························································17 |
