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个人信用档案是指关于自然人信用状况的原始记录,是信用社会和信用制度的基础。有效、可靠的社会信用体系是现代市场经济的重要基础之一,建立个人信用档案制度具有重要的社会意义。近年来,随着我国社会经济的发展,信用回归的呼声愈加强烈,切实加强社会信用建设直接关系到我国信用制度的建立与社会信用体系的完善,是当前构建和谐社会的一项重大课题。
Personal credit file refers to the original record of the credit status of natural persons, which is the basis of credit society and credit system. An effective and reliable social credit system is one of the important foundations of a modern market economy. Establishing a personal credit file system has an important social significance. In recent years, with the development of our society and economy, the voice of credit return becomes more and more intense. Strengthening the construction of social credit has a direct bearing on the establishment of China’s credit system and the improvement of social credit system. It is an important issue for building a harmonious society.