绪论部分，从两方面阐述论文研究的意义：一是运用经济学原理，从研究个人
信用制度在解决个人消费信贷市场中信息不对称现象所发挥的作用，论述论文研究
的理论意义：二是结合我国目前消费信贷市场急待发展和信用缺失的矛盾问题探讨
建立个人信用制度的必要性，说明论文研究的现实意义。

采用比较研究的方法，系统地介绍了国外个人信用制度管理的各个方面：法律
制度、组织形式、信息的管理以及个人信用评分案例FICO模型等，并对比各种模
式的特点和适用性。这其中，重点介绍了美国个人信用制度的成熟经验。

尽管我国个人信用制度尚未完全建立，但在局部领域已经作了有益的尝试。我
国商业银行个人信用评估主要针对与银行有关的信息进行判断评价，存在许多不足。

从地方情况看，上海、深圳两地率先进行了个人征信试点工作，上海模式比较成功，
为在全国开展征信工作，积累了宝贵的经验。

在比较中外各种不同运作模式基础上提出对我国个人信用制度建立的设计方
案：组织形式宜采取在中央政府指导下，成立央行下属的公共征信机构，强制性地
开展数据收集工作；信用数据分为个人金融资产信用信息系统和个人一般社会信用
信息体系两部分；信用信息主要为商业银行和消费者供其需要，生成信用报告使用；
此外，对信用评分进行了粗浅的讨论。

建立我国个人信用制度，我们面临着法律法规不健全，政府角色定位不明，相
关配套措施不完善等诸多困难，针对目前现状，建议：加快个人信用立法步伐，对
个人信用制度建设进行统一规划和领导，配套措施到位，建立相应的惩罚机制，提
高个人守信意识。

通过研究，作者认为：必须尽快制订出台个人信用制度相关法案，在中央政府
领导下，成立专门的征信机构，建立全国性的个人信用信息系统，并投入人力经费
进行相关模型研究，以期在较短的时间里建立我国科学完善的个人信用制度体系。

关键词：个人信用，建立，设计
Abstract
Individual credit consumption takes 20—40％toml share of bank credit and dedicates
30-70％profit overseas．However，the individual credit market in China is far below the
proper level．And the very reason is the deficiency of individual credit system．
Firstly，this dissertation starts with researching the fimction of individual credit
system that resolves the information discrepancy occurring to domestic individual credit
consumption market，in terms of economic theory．Secondly，enclosing the conflict
between credit deficiency and the credit consumption marketing development，this
dissertation is to probe into the practical necessity of building up Individual Credit
System in China．
Comparing to the feature and feasibility of different patterns．tlliS dissertation
describes the mature credit system in developed countries，especially in the USA，through
the phase of legislative system，organization structure，information management and
assessment case FIC0 model．
Although the individual credit system in China is not completely founded，SOme
useful attempts are already applied．The individual credit assessment in China is only
directed against bank system．In Shanghai and Shenzhen，individual credit assessment
system has been started experimentally．And the Success in Shanghai has accumulated
very precious experiment．
The project based Olq the research above：The applicable organization structure
ought to be a public information collecting department which is subordinated to the
central bank and guided by central government，and to acquire data collection
compulsively；the data base is formed with two parts，one for individual financial asset
information system and the other for general social individual credit information system；
the credit information is to be concluded to reports to provide to financial banks and
consumers；the simple discussion of credit assessment．
Having difficulties of unsound legislation and supporting management system；also
unclear government functional role，the proposal to establish domestic individual credit
system is given：to ameliorate legislation process；to give integrated guideline and
supervision；to improve supporting system；to establish penalty system；to build up the
consciousness ofindividual credit reputation．
According to the study，a consideration is given：In order to build up a mature
domestic individual credit system，it is necessary to formulate a code of individual credit
system possibly soon；to establish a particular individual credit information department
directed by central government；to establish national individual credit informmion system；
and to program the research of interrelated system paRem．
Key Wordsz Individual Credit，Establishment，Design