| 个人征信体系建设的国际比较与借鉴 |
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| 引用本文： | 白春乐.个人征信体系建设的国际比较与借鉴[J].西安邮电学院学报,2009,14(6):91-93. |
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| 作者姓名： | 白春乐 |
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| 作者单位： | 西安邮电学院计算机系,陕西,西安,710121 |
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| 摘 要： | 健全的个人征信体系是解决我国社会主义市场经济体制建设中信用缺失问题的重要举措。许多国家和地区都建立起了成熟的个人征信体系,形成了以欧洲大陆国家为代表的公共模式和以美英两国为代表的民营模式。将对这两种模式进行多方面的对比,并在分析美国经验的基础上结合我国国情提出建立健全我国个人征信体系的建议。
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| 关 键 词： | 公共模式 民营模式 BOT模式(Build-Operate-Transfer) |
International comparison and reference on personal credit information system |
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| BAI Chun-le.International comparison and reference on personal credit information system[J].Journal of Xi'an Institute of Posts and Telecommunications,2009,14(6):91-93. |
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| Authors: | BAI Chun-le |
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| Affiliation: | BAI Chun- le (Department of Computer, Xi＇an University of Posts and Telecommunications,Xi＇an 710121 ,China) |
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| Abstract: | A robust personal credit information system is an important measure to solve the problems of lack of credit in the construction of socialist market economy system in China. Personal credit information system has been well established in many countries and regions, and has formed public mode, represented by continental European countries, and private mode, represented by the USA and UK. This paper will perform comparision of various aspects between these two modes. Moreover, advices will be proposed to establish and improve the personal credit information system in China based on the analysis of experiences in the USA. |
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| Keywords: | public mode private mode BOT（Build-Operate- Trasnfer） mode |
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