一、我国信用档案的产生与发展信用档案最早诞生于经济领域。20世纪20年代前后,外资企业大量的涌入了中国市场,我国金融界受西方金融界的影响,在市场竞争压力的迫使下,开始学习西方先进的经营管理模式,建立征信制度,成立了专门的机构调查收集客户信用资料,建立客户信用档案。 First, the emergence and development of credit files in China Credit records were born as early as the economic field. Before and after the 1920s, a large number of foreign-funded enterprises poured into the Chinese market. Under the influence of the Western financial circles, China’s financial sector was forced by the pressure of market competition to start learning the advanced management mode of the West and set up a system of credit collection and establishment. Specialized agencies to collect customer credit information survey, the establishment of customer credit files.