我国个人信用制度的构建问题研究

【作者】 王辉；

【导师】 原毅军；

【作者基本信息】 大连理工大学 ， 工商管理， 2002， 硕士

【摘要】 个人信用制度已经有一百多年的历史，现在已成为成熟的市场经济的主要特征。我国居民有八万亿元的金融资产，拥有日益巨大的消费能力。我国政府也采取了一系列积极的宏观经济政策，以刺激需求，拉动消费市场。但由于信用缺失，限制了宏观政策效应的发挥，经济总量的供需矛盾仍相当突出。为刺激消费市场的发展，构建我国完善的个人信用制度已成为当务之急。美国等信用消费发达的国家已经建立了比较完善的个人信用制度，从而对整个宏观经济的增长起到积极的推动作用，也为金融机构提供了一种有利可图的资产来源。我们可以借鉴发达国家从管理模式、法律环境到具体操作上所积累的经验，来全面构建我国个人信用制度。 《我国个人信用制度的构建问题研究》从个人信用制度的产生及发展入笔，分析我国个人信用制度的发展现状，指出全面构建我国的个人信用制度将促进个人信贷消费发展，成为国家激活经济的重要突破口。 但是，我国目前的个人信用制度由于受我国社会经济的历史背景和我国传统文化及消费观念的限制，现阶段存在很多问题。通过“节俭反论”和持久收入／生命周期假说理论，论证了我国个人信用制度的现状已抑制了经济发展，必须及时提出对策，构建健全的个人信用制度，作为实现经济持续健康发展的稳定器和加速器。 迈向市场经济的中国急需建立起符合中国特点的个人信用制度。面对发展中的诸多问题，应结合现实，借鉴发达国家的成功经验，构筑起中国的个人信用制度： 1．建立明确的个人信用记录； 2．建立科学的信用评估体系； 3．营造良好的外部环境。更多还原

【Abstract】 Personal credit system has over one hundred-year’ s history and now has been the main characteristic of mature market economy. Chinese residents possess eight thousand billion financial assets and stronger consumer ability getting day by day. Government also acts a series of macroeconomic policies in order to stimulate demand and push consumer market. However, because lacking of credit restricts play of macroeconomic policies, contradictory on supply and demand of economic total is still sticking out considerably. Building up perfect personal credit system to stimulate the expanding of consumer market is an urgent matter. Countries developed on credit, such as America, have established fairly perfect personal credit system, thus pushing whole macroeconomy and supplying profitable assets resources for finance institutions. To build up comprehensively personal credit system, others can draw on the experience of developed countries on administrative pattern, legal environment, operation.Written from emergence and development of personal credit system, the paper analyses present developing situation of personal credit system in china, and points out that complete personal credit system will promote development of personal credit consumption and be a important breakthrough to stimulate economy by country.However, limited by historical background of social economy, traditional culture and consumer idea, existing personal credit system in China has many problems. Through "Theory against frugality" and lasting income/life period hypothesis, the paper expounds and proves problems of personal credit system has restrained the development of economy. People must put forward the way, and build up sound system as stabilization and acceleration machine to realizehealthy economic development.China is striding forward in the market economy, therefore, it is urgent important for China to establish the personal credit system meeting with Chinese-character. In the paper, the author suggests that China facing the problems should build up the personal credit system based on its own reality and also with the reference of other countries’ successful experiences:1. Build up clear and definite personal credit records;2. Build up scientific credit evaluating system;3. Construct good external environment.更多还原