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一、问题提出:个人信用档案管理遇到的挑战近年来,信用经济的发展提高了社会对个人信用活动记录的要求,个人信用档案逐渐发展起来。个人信用档案是指由专业化的、独立的第三方机构,依法采集、客观记录个人基本情况以及信用状况相关的各种文件资料的记录,是定性和定量分析个人信用的数据基础,是个人在道德、法律、经济、社会、职业等方面观念和能力的综合反映[1]。它可为用人单位、银行贷款等业务提供
First, the question raised: Personal credit file management challenges encountered In recent years, the development of the credit economy has raised the social requirements for personal credit records, personal credit files gradually developed. Personal credit file refers to the professional, independent third-party agencies, according to the law to collect and objectively record the basic situation of individuals and credit records of various documents related to information is qualitative and quantitative analysis of personal credit data base is the individual Moral, legal, economic, social, professional and other aspects of the concept and ability of a comprehensive reflection [1]. It can provide for employers, bank loans and other businesses