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近两年国家为了推动经济进一步发展,以积极的财政政策为先导,大力倡导树立新的消费观念,“花明天的钱,圆今天的梦”开办多形式的消费信贷,以此拉动经济增长。但从目前的情况看,消费对经济增长的贡献率尚未达到预期效果。究其原因主要是我国的信用制度尚不健全,特别是个人信用制度还没有建立起来。因此,建立个人信用制度已成为发展消费信贷,推动消费快速增长的当务之急。鉴于此,笔者认为应从以下几方面来建立个人信用制度。1、建立个人资信资料档案。这是建立个人信用制度的首要条件,只有建立全面的个人资信档案,才能为构建个人信用制度奠定基础。一些发达国家由于有发达网络资源,信
In the past two years, in order to promote further economic development, the state has taken the proactive fiscal policy as its guide, vigorously advocated the establishment of a new concept of consumption, “spending tomorrow’s money and dreaming today ” to open up various forms of consumer credit to stimulate the economy increase. However, judging from the current situation, the contribution rate of consumption to economic growth has not yet reached the expected effect. The main reason is that our country’s credit system is not perfect, especially the personal credit system has not been established. Therefore, the establishment of personal credit system has become the top priority for the development of consumer credit and promoting the rapid growth of consumption. In view of this, I believe that the following aspects should be to establish a personal credit system. 1, the establishment of personal credit information files. This is the first condition for the establishment of a personal credit system. Only by establishing a comprehensive personal credit record can we lay the foundation for the establishment of a personal credit system. Some developed countries have developed network resources, letters