摘要
消费信贷在我国发展至今,虽已取得一定的成绩,但是与西方发达国家水平相差甚远,其中的问题主要在于我国个人信用评价研究起步晚,缺乏国内统一的个人信用信息库以及完善的信用评价体系。消费信贷的发展是对国家经济有着巨大推动能力的,为使我国经济快速稳定的增长,构建适合我国国情的个人信用信息库和个人信用评价体系便成为当务之急。
So far, during the development of the consumption credit in our country,it gains some achievements. But compared with the westen developed countries, it still has a long way to go. Because the study of the personal credit appraisal in our country starts late. So we lack the integrated information base of personal credit in our country and the perfect credit appraisal system. The development of the consumption credit can enormously promote the economy of the country. So in order to let the economy of our country has a fast and steady increase, it is essential to construct the information base of personal credit and the credit appraisal system which suit for the situation of our country.
出处
《科技和产业》
2007年第2期58-60,共3页
Science Technology and Industry
关键词
消费信贷
个人信用评价
信用评分模型
Consumption Credit
Personal Credit Appraisal
Model of Credit Scoring
