信用是现代市场经济的基石和生命。在我国发展社会主义市场经济,创建和谐社会,建设小康社会的进程中,加快和推进社会信用体系建设显得越来越紧迫,而作为社会信用体系建设的重要基础——个人信用及其个人信用档案的建立就更为重要。一、个人信用档案的社会功能当前,在我国加快发 Credit is the cornerstone and life of the modern market economy. In the process of developing the socialist market economy, creating a harmonious society and building a moderately prosperous society in our country, it is more and more urgent to speed up and promote the construction of a social credit system. As an important foundation for the construction of a social credit system - personal credit and its personal credit files The establishment of the more important. First, the social function of personal credit files Currently, in our country to speed up the hair