我国个人信用制度构建之探讨

个人信用制度的主要功能在于克服信息不对称。在现代市场体制下,这种制度不可或缺,因为市场经济社会是一个与传统不同的陌生人社会,其系统内小社会的形成也具有临时性,因此人的行为的失范可能会相当严重,而个人信用制度所提供的信息能构成市场主体诚信行为的基础,构成某些法律有效实施的前提,同时也能促进交易。因此我国应该尽快建立适合我国国情的个人信用制度。

On the Establishment of Individual Credit System in China

The chief function of the individual credit system is to overcome the problem of informational asymmetry. Under the modern market system, we can not be without this system and the market-economy society is a stranger type of society, different from the traditional one and the formation of a sub-society in this system is of a temporary nature, so the behavior of people may be in serious disagreement with the traditional norms. Nevertheless, the information supplied by the individual credit system will constitute the foundation for the honesty important in the market and the precondition for the implementation of certain laws, and thereupon, commercial transactions are promoted. Therefore, an individual credit system suitable to our national conditions is to be established as soon as possible.