文档介绍：金融学专业毕业论文--我国个人信用制度构建研究
摘要
个人信用是整个社会的基础。我国虽已初步建立了个人信用制度的雏形,但与之相配的个人信用风险预警,管理制度的空白,个人信用法律体系和监管体系的模糊使我国目前个人信用制度基本处于缺失状态。现代市场经济是信用经济,个人信用制度的缺失,对于市场经济,已经成为制约发展的“瓶颈”。这影响到整个社会经济的有效发展。因此,当前我国尽快建立完善个人信用制度已经刻不容缓。
关键词:
ABSTRACT
Personal Credit is the whole basis of society. Although initially set up my personal credit system prototype, but the match with the individual credit risk early warning, management systems, blank, personal credit legal system and regulatory system, fuzzy system, our country now basically at the lack of personal credit status. Modern market economy is a credit economy, the lack of individual credit system, the market economy, has restricted the development of the "bottleneck." This affects the effective development of the economy. Therefore, the current situation to build a perfect system of imminent personal credit.
Key words: Personal Credit,Lack of credit system,Establish and improve
目录
摘要……………………………………………………………………………………Ⅰ
Abstract………………………………………………………………………………Ⅱ
引言…………………………………………………………………………………… 1
一、我国个人信用制度发展现状……………………………………………………2
(一)我国个人信用制度发展历程…………………………………………………2
(二)我国典型信用模式……………………………………………………………3
二、我国个人信用制度存在的问题…………………………………………………5
(……………………………………………………………5
(二)信用中介机构整体水平低……………………………………………………6
(三)个人信用评价标准缺乏统一…………………………………………………6
(四)国家信用管理体制不健全……………………………………………………6
三、美国信用制度建立经验…………………………………………………………7
(一)个人信用征信制度…………………………………………