我国个人信用评级办法研究

信贷消费是扩大内需，拉动我国经济发展的重要举措，目前发展中存在商家、银行对消费者缺乏安全感、信贷消费条件苛刻等诸多问题。要消除信贷消费的这些障碍，必须推进个人资信评级市场的发展。本文研究了国内银行及国际著名的消费者个人信用调查公司的个人信用评级方法和运作模式，提出了适合我国情况的个人信用评级方法原则、征信来源和评级模型，形成了适合中国居民的个人信用评级办法方案。

Research on Chinese Personal Credit Evaluation

Credit consumption, the crucial factor of developing Chinese credit economy, has many problems at the present time, such as the distrust between the bank and the consumer. To resolve these problems, we must integrate the law system of the credit consumption and reinforce the credit rating evaluation system. In this paper we will discuss the personal credit system for china by using references of experience from foreign Credit Rating Evaluation company.