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文章列举了社会经济、生活、教育等领域个人信用缺失的严峻现状,从理论上、制度上分析信用缺失的根源,借鉴西方国家的个人信用管理经验,对提高国民的信用水平提出建议:采用综合型模式建立个人信用管理体系;以“渐进式”策略建设个人信用信息机构和个人信用信息库;通过个人信用立法,解决经营成本问题,保障个人隐私权;建立惩罚机制,提高国民守信意识。
This article lists the severe status quo of the lack of personal credit in the fields of social economy, life, education and so on. From the theoretical and institutional analysis of the causes of the lack of credit, draw lessons from the experience of personal credit management in western countries, to make recommendations to improve the national credit level: Model of the establishment of personal credit management system; to “progressive” strategy to build personal credit information agencies and personal credit information base; through personal credit legislation to solve the problem of operating costs, to protect individual privacy; to establish a punitive mechanism to raise national awareness of trustworthiness.