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信用制度从不同的角度有不同的分法,从主体的角度,可分为政府信用、企业信用和个人信用。本文主要论述个人信用制度建构的相关法律对策。个人信用制度是指个人通过信用方式获得支付能力而进行的一种消费、投资和经营的制度,它使个人不仅单纯根据劳动报酬所得进行支付,且也可通过信用方式获得支付能力。个人信用制度作为社会经济的一项基本制度,已超出在传统上只把它作为道德问题看待的范围,它往往牵涉到复杂的经济、法律问题,它可以影响社会正常的生活秩序、经济秩序、政府秩序,最终关系到国家
Credit system has different points from different perspectives, from the main point of view, can be divided into government credit, corporate credit and personal credit. This article mainly discusses the relevant legal measures to construct personal credit system. The personal credit system refers to a system of consumption, investment and business that individuals can obtain by means of credit. It enables individuals to pay not only on the basis of labor remuneration but also on credit. As a basic social economy system, the personal credit system has gone beyond the scope of traditionally regarded it as an ethical issue. It often involves complicated economic and legal issues that can affect the social normal life order, economic order, The government order ultimately affects the state