信用行业的发展在不同的国家有不同的发展模式。其中,发达国家信用行业的发展模式主要有三种,即以美国为代表的市场化模式,以德、法等欧洲主要国家为代表的中央信贷登记模式和以日本为代表的会员制信用模式。目前,美国企业间的信用支付方式已占到社会经营活动的80%以上,消费支 The development of the credit industry has different development models in different countries. Among them, there are mainly three kinds of development models for credit industry in developed countries, namely the marketization model represented by the United States, the central credit registration model represented by major European countries such as Germany and France, and the membership credit model represented by Japan. At present, credit payment methods between American companies have accounted for more than 80% of social business activities, and consumption