自改革开放以来,金融、工商、税务等部门为提高工作效率、整顿市场秩序,开展了信用档案工作。自2002年朱镕基总理明确指出要加强社会信用建设,以便为整顿和规范市场经济秩序服务以来,如何建立信用档案,加强社会信用体系建设成为全社会广泛关注的话题。近年来,我国信用体系建设已经走上了快速发展的 Since the reform and opening up, finance, industry and commerce, taxation and other departments have conducted credit file work in order to improve work efficiency and rectify market order. Since 2002, Premier Zhu Rongji clearly pointed out that we should strengthen social credit construction so as to serve the need of rectifying and standardizing the market economic order. How to establish a credit file and to strengthen the building of a social credit system have become the topics of widespread concern in the whole society. In recent years, China’s credit system has embarked on a rapid development