国外个人信用信息征集行为研究及对我国的启示  

Research on Foreign Acts of Personal Credit Information Collection and Enlightenment for China

作　　者：肖瑞婷[1] 

机构地区：[1]中国人民银行西安分行,陕西西安710075

出　　处：《征信》2011年第4期60-62,共3页Credit Reference

摘　　要：信用信息的征集是征信体系建设的首要环节,建立适合我国国情的信用信息征集制度对规范发展征信体系和保护信用信息主体权益有着十分重要的意义。在对主要征信国家信用信息征集行为进行比较分析的基础上,归纳国外信用信息征集行为的主要特点,提出了从四个方面构建符合我国实际的信用信息征集制度安排。The collection of credit information is the primary step for credit reference system construction.It＇s of great significance for normally developing credit reference system and protecting the interests of credit information principals to establish a suitable credit information collection system in China.On the basis of a comparative analysis on the foreign experience of credit information collection in the main credit reference countries,with a summarization of the main features of foreign acts of credit information collection,proposals are made to make credit information collection system arrangements for China from four aspects in line with the reality.

关 键 词：征信 个人信用 信用信息 征集 行为 

分 类 号：F832.4[经济管理—金融学]