最后，文章提出了完善嘉兴市个人征信体系的对策建议。
Finally, the paper presents a complete personal credit information system of Jiaxing City, countermeasures and proposals.
分析个人征信体系的含义、构成，在经济中的作用以及各部分的相互关系。
Analysis of the meaning of individual credit information system, composition, role in the economy, as well as the various parts of the mutual relations.
借款人和担保人应书面授权，同意贷款人查询其个人征信记录，并提供个人征信报告。
II. The Lender shall have a written authorization of both Borrower and Guarantor to inquire about their personal credit records and have personal credit information reports.
我们应该加快企业和个人征信体系的建设，以此来促进整个社会信用体系的重建和完善。
And we should reconstruct and improve our society credit system by the means of accelerating construction of enterprise and personal credit investigation system.
会同建设厅采集个人住房公积金贷款信息纳入个人征信系统，对个人贷款风险进行提示。
Office building in the collection of personal housing accumulation fund loans for personal credit rating information into the system, the risk of personal loans for presentation.
个人征信制度的核心在于个信用信息的公开，其涉及四个基本当事人和三个基本法律关系；
Defined the personal credit investigation system's key is the exposure of credit information to the public, and it involved four parties and three basic legal relationship.
个人征信体系在对个人信息的收集、整理、公开的过程中必然会与信息主体的隐私权发生冲突。
The system of collecting individuals information must be conflict with the private right of informations main body when system collecting, cleaning up and opening individuals information.
在我国个人信用征信制度中，个人征信机构的所有经营活动都是围绕着消费者的个人信用信息展开的。
In the personal credit-inspection system of China, the operation activities of personal credit-inspection organizations center on personal credit information.
个人征信制度所具有的社会功能与经济功能，以及隐私权的人性因素与分配原则，决定了征信过程中对隐私权进行限制的必要性。
The function of the individual credit system and the legal peculiarity of the right to privacy, decide that it is necessary to confine the privacy interest in the credit investigation.
阐述了征信业务的特点及组成，研究了如何利用CRM理论设计个人征信业务的数据模型，提出了以客户为中心的数据仓库模型。
This paper firstly introduced the credit business, then used CRM data warehouse base data model to design a personal credit data model.
而当他们无法支付损失时，国民银行向征信所举报他们的个人银行账号欠债不还，还在失窃半后，威胁要将他们的房子赎回。
When they failed to repay the losses, Citizens reported their personal account as delinquent to credit bureaus, and six months after the theft threatened to foreclose on their home.
当前中国，个人信用征信系统的建设正在轰轰烈烈地进行着。
Nowadays the construction of the personal credit information collection system is in vigorous process in China.
我国个人信用征信制度建设缺乏基础和统一规划，也没有完善的评价制度。
The establishment of personal credit inquiry system in China lacks basis, unified planning and comprehensive evaluation system.
第二章分析了我国个人信用信息征信行业的现状。
The second chapter argued the China credit industry and discussed the problem of the credit system.
个人信用保证机制的征信制度和诉讼制度哪个成本更低、相对价值更高需要客观分析。
It requires impersonality analysis which is much low in cost or more high on relative value about credit system and lawsuit system in personal credit guarantee mechanism.
第二部分——个人住房抵押贷款风险防范与个人信用征信制度。
Section two: the risks prevention system of individual housing loan and the individual credit reporting system.
住房抵押贷款风险的防范和控制是一个系统工程，本文尝试从个人信用征信制度、担保制度、保险制度和住房抵押贷款证券化四个方面进行探讨。
This thesis intends to discuss this problem systematically from the following four aspects: individual credit reporting system, security system, insurance system and mortgage-backed securitization.
主要针对银行发卡过程中的风险防控和征信监管体系的完善等热点焦点问题发表了个人的观点和看法。
Major Banks issuing process for risk control and credit control system, improve focus areas and other hot spots expressed their views and perspectives.
此前，除银行个人信贷征信系统全国联网外，房屋权属信息在各城市间并不联网，房屋权属信息均采用属地管理原则。
Besides national network for home loan information, there has been no such nationwide system for property ownership as the data are managed in cities where the houses were bought or sold.
个人信用征信是解决我国目前信用缺位的有力手段。
The credit reporting system is helpful to solve the problem arising from lack of personal credit in China.
个人信用征信是解决我国目前信用缺位的有力手段。
The credit reporting system is helpful to solve the problem arising from lack of personal credit in China.
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