我国在个人信用贷款方面的法律依然是空白，仅有的信贷法律适用对象都是生产型的企业，而不是个人信贷。
In our country, the law of personal credit loan is still blank, only the applicable object of credit law is the productive enterprise, not the personal credit.
个人信用制度的建设、个人不良信贷资产的处置和我国个人信用安全体系的构建，已经成为摆在我们面前的现实问题。
There are some important issues comes up now, such as the structuring personal credit system, disposing the personal bad loans and creating a safety system for the personal credit, etc.
个人消费信贷规模逐年增大，产生了对个人信用风险控制的需求。
The increasing amount of individual credit loan creates demand for the control of individual credit risk.
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