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随着银行的商业化经营,金融部门正在寻求一个更广阔更有效的经营空间——消费信贷。个人信用档案是指反映某一区域某一特定公民的身份、公民的财产所得和资信程度等方面的数据和材料及声像资料。建立健全个人信用档案不仅使广大消费者受益,同时,也可架起银行与个人,个人与个人之间的信誉桥梁,增加银行信贷资金的安全性。
With the commercialization of banks, the financial sector is seeking a broader and more efficient business space - consumer credit. Personal credit files refer to the data and materials and audiovisual materials that reflect the identity of a particular citizen in a region, the income and property of citizens, and the level of creditworthiness. Establishing and perfecting personal credit files not only benefits consumers but also bridges the credibility between banks and individuals, individuals and individuals, and increases the safety of bank credit funds.