当前,我国建立信用管理体系的主要障碍是相关法规不健全,资信公司难以取得有关信用数据。中国与美国信用制度比较,目前有四方面不同之处。对信用概念内涵的理解不同在美国,信用是作为商品在市场上大量生产、大量销售的,把与信用有关的信息加工威信用产品,卖给需求者,使正面信用积累成为扩大信用交易的动力,负面信息传播成为约束失信人的震慑力,从而形成市场经济运行机制的重要组成部分,也使人们的信用理念发生着历史性演化。 At present, the main obstacle to establishing a credit management system in our country is that the relevant laws and regulations are not sound and credit companies can hardly obtain relevant credit data. There are currently four differences between the credit system of China and the United States. Different understanding of the connotation of the concept of credit In the United States, credit is mass-produced and mass-marketed as commodities in the market, selling credit-related products to consumers with credit-related information and making positive credit accumulation a driving force for expanding credit transactions , Negative information dissemination has become a deterrent force that binds dishonest people and thus forms an important part of the operation mechanism of market economy and also causes the historical evolution of people’s credit concept.