个人信用体系是指根据居民的家庭收入资产、已发生的借贷与偿还、信用透支、发生不良信用时所受处罚与诉讼情况，对个人的信用等级进行评估并随时记录、存档，以便信用的供给方决定是否对其贷款和贷款多少的制度。在发达国家，个人信用记录早已是市场经济的基石，但在我国，个人信用制度还刚开始筹建。
要求建立完善的个人信用体系和个人信用管理模式，从而加强对个人信用资源的整合和利用。
The establishment of complete personal credit system and the management model concerned, may help to strengthen the integration and utilization of personal credit resources.
要求建立完善的个人信用体系和个人信用管理模式，从而加强对个人信用资源的整合和利用。
The establishment of complete personal credit system and the management model concerned, may help to strengthen the integration and u…
本文借鉴西方经济各种理论学派对信用的理解和认识，探讨了个人信用和个人信用体系等相关概念的经济学释义；
This dissertation explores the economics meaning of the concepts between individual credit and individual credit system, using a sect of western economics philosophy as a source of reference;
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