浅析我国个人征信体系模式选择

个人征信体系是社会信用体系的重要组成部分，是现代金融体系运行的基石，有无健全的个人征信体系，是市场经济是否走向成熟的重要标志。这就意味着如何选择正确而又适合的个人征信体系模式将是重中之重。本文先总结了国际上较为普遍的几种个人征信模式，接着对这几种模式的优缺点进行了探讨，并结合中国当前的实际国情探讨是否适合这几种模式，最后得出一套较为符合当前国情的个人征信体系模式。
关键词：个人征信体系模式；中央主导；地方主导

Analysis Of The Personal Credit System Mode

    Abstract：Credit system is an important part of social credit system，is the cornerstone of the modern financial system running，whether or not a sound credit system，is a mature market economy is an important indicator.This means that how to choose the correct and appropriate mode of personal credit information system is the most important.This article first summarizes some of the more common international personal credit mode, then the advantages and disadvantages of these different kinds of models are discussed, and combined with the actual conditions of China's current suitability for these types of models, and finally arrive at a moreconsistent with the current state of the nation's personal credit information system model.
    Key　words：Personal Credit System Model；Central Lead；Local Lead

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