【作者】 胡国华；

【导师】 莫童；

【作者基本信息】 上海交通大学 ， 公共管理， 2008， 硕士

【摘要】 信用是现代市场经济的一个基本构成要素,现代市场经济不仅有着完备的信用形式、发达的信用工具,而且有着健全的信用制度和规范的信用关系。社会主义市场经济同样需要以发达的信用和完善的信用制度为基础。发达信用的一个重要特征是信用“极致”到个人,因为个人信用是社会信用的基础和核心,因此完善个人征信体系对发展我国市场经济具有重要的现实意义。个人征信体系是一项涉及范围广、内容复杂系统工程。近年来,学术界对于我国个人征信体系建设的研究层出不穷,众说纷纭,但普遍停留在征信体系观念层的论述上,缺乏系统性分析,基于此,本篇论文以对我国个人征信体系现状的系统分析为出发点,探讨了个人征信体系建设中存在的问题,借助公共经济学、管理学等原理分析问题产生的原因,在借鉴国际经验的基础上,得出完善我国个人征信体系建设的对策,以期使我国个人征信体系日臻成熟,并以此促进社会和谐和经济的健康持续发展。本篇论文主要围绕以下几方面展开:一是详细界定了信用、个人信用、诚信、征信以及个人征信体系等基本概念。分析个人征信体系的构成、功能、在经济中的作用以及各部分的相互关系。同时分析了在我国社会主义市场经济条件下,建设和完善个人征信体系的必要性。二是在回顾我国个人征信体系发展历程的基础上,对我国个人征信体系现状进行了深入分析,指出了其中存在的诸多问题:个人信用环境差、信用教育落后;个人征信体系的法律法规不健全;个人征信体系的组织机构不成熟;缺乏有效的个人征信监管体系。同时对问题产生的原因进行剖析。三是阐述了发达国家个人征信体系的发展经验及对我国的启示。重点介绍美国的市场化管理模式、欧洲国家的公共管理模式以及日本的会员制模式的特点,并分别就法制体系建设、组织机构体系、监管体系等方面加以比较,在此基础上提出我国应采用“政府主导下的市场化运作模式”,同时加强法律法规建设,建立个人信用数据库,加强个人征信体系的监管。最后,文章提出了我国个人征信体系的对策建议。即加强信用环境治理,培育个人信用文化;完善我国个人征信体系的法律法规建设;充分发挥政府在个人征信体系建设中的积极作用;加强对个人征信体系建设统一规划和领导;强化对个人信用中介机构的监管以及进一步完善异议处理。更多还原

【Abstract】 Credit is a modern market economy constitute the basic elements of a modern market economy has not only improved the form of credit, credit instruments developed, but also have a sound credit system and norms of credit relations. The socialist market economy also requires a well-developed credit system and improve credit basis. Developed credit is a key feature of credit "extreme" to the individual, because individual credit is the basis of social credit and the core, improving the personal credit information system on the development of China’s market economy is of great realistic significance.A personal credit rating system is involved in a wide range of complexity of systems engineering. In recent years, academic personal credit rating system for China’s building of endless controversial, but generally remain in the credit system of concepts discussed, the lack of systematic analysis, Based on this, this paper to the status quo of China’s personal credit system of analysis as the starting point to explore the personal credit information system that exist in the building, using public economics, management principles, such as analysis of the causes in the international reference on the basis of experience, that China’s personal credit system perfect building measures with a view to bringing China’s personal credit system become more sophisticated, so as to promote social harmony and the sustained and healthy economic development.In this paper, the main work in the following aspects:First detailed definition of credit, personal credit, integrity, credit and personal credit information system, basic concept. Analysis of the composition of personal credit rating system, function, role in the economy as well as part of the mutual relations. At the same time analyzed in the country’s socialist market economy, building and perfection of the need for personal credit rating system.The second is to review the development of China’s personal credit information system on the basis of the course of China’s personal credit information system in-depth analysis of the current situation, which pointed out a few problems: poor personal credit environment, credit educational backwardness; the legal system for personal credit rating rules and regulations do not sound personal credit information system organization immature; the lack of an effective monitoring system for personal credit rating. At the same time the cause of the problem to analyze.Third, the developed countries on the development of personal credit rating system for China’s experience and enlightenment. Focus on the United States market-oriented management style, European countries and Japan Public Management model of the characteristics of the membership, and separate legal system building, the organization system, monitoring system, and so to compare, and on this basis should be used by China "Government-led mode of operation of the market" and the strengthening of law and laws, and establish a personal credit database to enhance personal credit system supervision.Finally, the paper proposes a complete personal credit system of China’s measures and proposals. Strengthening governance credit environment, and cultivate a personal credit culture; perfecting China’s personal credit system construction laws and regulations; give full play to the Government in building personal credit rating system in a positive and active role of the individual credit information system to strengthen the building of a unified planning and leadership, and promoting personal credit intermediary development and database construction.更多还原