我国消费信用存在的问题与对策探讨  

Inquiry into Problems for Consumption Credit in China and Countermeasures

作　　者：曾鸣[1] 

机构地区：[1]上海第二工业大学经济管理学院,上海201209

出　　处：《征信》2011年第2期25-28,共4页Credit Reference

基　　金：信用管理重点学科资助项目(NXK1012);上海市教育委员会科研创新项目(09YS459)

摘　　要：消费信用是我国经济发展的内在动力。然而,目前我国消费信用存在着诸如消费信用品种及其提供者缺乏、风险控制能力不足、法律法规不健全等问题。今后,我们应该转变消费观念,倡导居民消费信用,健全个人消费信用体系,建立和完善相关配套法律法规等,从而使我国的消费信用更加科学有序地发展。Consumption credit is the internal driving force for China＇s economic development.However,there are such problems for consumption credit in China as lack of consumption credit products and consumer credit providers,insufficiency of risk control,inadequate laws and regulations,etc.In future,consumption attitudes should be changed with advocations of citizen consumption credit,establishing a robust consumption credit system,building up and improving relevant laws and regulations,so as to accelerate consumption credit in China in a more scientific and orderly manner.

关 键 词：消费信用 信用体系 个人征信系统 法律法规 

分 类 号：F832.479[经济管理—金融学]