伪造罪的法益是公共信用；

The law benefit of the crime is public credit.

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本文的目的是讨论如何利用征信体系中的公共信用信息系统（PCR）服务于新巴塞尔协议意义下的商业银行资本监管。

The paper aims systematically at investigating how to use public credit registry(PCR) to serve capital regulation of banking system under Basel II.

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约一半的国家中，法律问题是导致公共信贷机构创设的因素，而且，在建立了公共信用登记制度的国家中，有一半仍须解决法律问题。

Legal issues contributed to the creation of the public credit registry in approximately half of the countries - and legal issues are still pending in about half the countries with public registries.

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