个人信用信息应用概况及前景分析7月1日,随着全国首个试点城市——上海“个人信用联合征信体系”的正式投入使用,我国个人信用制度初现雏形。个人信用、个人信用档案、个人信用报告等时髦名词已不再是理论探讨的书面用语,而是作为活生生的新鲜事物出现在上海滩的每个消费者面前。随着加入 WTO 日子的临近,因个人信用制度的空白形成的瓶颈制约,导致各大商业银行的个人消费信贷业务扩张受到严重遏制。利用现存的客户群,开发潜在客户群,利用已有的个人信贷档案控制风险,锁定收益,发挥中国银行业的优势与国外同业竞争,这应该是上海信用征信有限公司建立的初衷。在美 Personal credit information application overview and prospect analysis July 1, with the country’s first pilot city - Shanghai “personal credit joint credit information system, ” the official investment in the use of personal credit system in China began to take shape. Vogue terms such as personal credit, personal credit files and personal credit reports are no longer written terms for theoretical discussions, but appear as living things to every consumer in Shanghai. With the approaching of the accession to the WTO, due to the bottleneck of the formation of the personal credit system, the expansion of the personal consumer credit business of major commercial banks has been seriously checked. The use of existing customer base, the development of potential customers, the use of existing personal credit files to control risks and lock in the proceeds, play the advantages of China’s banking industry and foreign competition, which should be the original intention of the Shanghai Credit Information Co., Ltd. established. In the United States