市场经济是法治经济,同时也是信用经济。良好的信用秩序可以降低交易成本,加速经济发展的步伐,使社会财富效用最大化。银行作为金融系统的核心,其对一国经济发展十分重要,银行信用建设也是社会信用建设的一部分。我国目前的银行信用建设发展很迅速,但是发展中存在的问题很严重,因此要对银行个人信用建设进行法理分析,在明确法理的基础上对银行个人信用建设进行制度完善和发展。 Market economy is the rule of law economy, but also the credit economy. A good credit order can reduce transaction costs, accelerate the pace of economic development and maximize the effectiveness of social wealth. As the core of the financial system, the bank is very important to the economic development of a country. The construction of bank credit is also a part of the social credit construction. At present, the bank credit development in our country has developed rapidly, but the problems in its development are very serious. Therefore, it is necessary to carry out the legal analysis of the bank’s personal credit construction and perfecting and developing the system of bank personal credit on the basis of clear jurisprudence.