摘 要
現(xiàn)代市場(chǎng)經(jīng)濟(jì)是建立在法制基礎(chǔ)上的信用經(jīng)濟(jì)，高度發(fā)達(dá)的社會(huì)信用體系在防范金融風(fēng)險(xiǎn)、提高市場(chǎng)資源配置效率等方面都發(fā)揮著積極作用?！罢餍拧斌w系的建設(shè)是社會(huì)信用體系建設(shè)的重要環(huán)節(jié)。到目前為止，我國(guó)的征信體系尚處于起步階段，因信用缺失而引起的經(jīng)濟(jì)損失十分嚴(yán)重，加快征信體系建設(shè)勢(shì)在必行。征信體系建設(shè)是一個(gè)長(zhǎng)期的系統(tǒng)工程，涉及經(jīng)濟(jì)和社會(huì)生活各個(gè)方面。征信體系建設(shè)的社會(huì)性和國(guó)情特征決定了其在我國(guó)現(xiàn)階段建設(shè)和實(shí)施的主體是政府。因此，探討如何充分發(fā)揮政府在征信體系建設(shè)中的作用就顯得十分重要和緊急。
本文從xx市信息產(chǎn)業(yè)局征信構(gòu)建工作出發(fā)，通過文獻(xiàn)法、對(duì)比分析法、實(shí)證法，找出xx市征信體系構(gòu)建存在的問題及原因，借鑒先進(jìn)經(jīng)驗(yàn)并與實(shí)際結(jié)合，為xx市征信體系建設(shè)工作的政府監(jiān)管、信用信息整合、信用市場(chǎng)培育、失信制度懲戒、征信教育等方面執(zhí)行的更為有效提出了完善征信建設(shè)的機(jī)制、加強(qiáng)信用市場(chǎng)建設(shè)、有力開展征信宣傳教育，加快征信人才培養(yǎng)等的對(duì)策建議。

關(guān)鍵詞 政府 征信 征信體系構(gòu)建

Abstract
Modern market economy is the credit economy based on the base of legal system .The highly developed social credit system is playing a positive role in taking precautions against financial risks and in improving the recourse distribution efficiency of the market. The construction of the system of ‘credit investigation system of our country is still in stage of starting ， up till now. Now our country because of reputation imperfection cause of the economy lose very seriously， so gain confidence system construction power quickly be going necessarily. Gaining confidence the system construction is a long-term system engineering， involving economy and each aspect of the social activities. Gain confidence society and state of the nation characteristic of system construction to come to a decision it to construct currently in our country with implement of the corpus key is a government. Therefore ，the function which inquiry into how to develop a government wells in the enquiry the system construction seems to be very important with urgent.
This text with Information Industry Bureau in Mudanjiang for example，pass the analysis method，substantial evidence method of the cultural heritage method，contrast，find out the Information Industry Bureau existent problem and reason， draw lessons from advanced experience combine with combine physically，for province in Mudanjiang in the government gain confidence system construction the policy of the work a performance，information share，the reputation market grow，fail in promise system punishment and gain confidence education's etc. to carry out of more effectively put forward，the perfect enquiry constructs of mechanism，grow and take charge of a reputation market，exhibition enquiry publicity an education strongly of suggestion.

Key words the government credit credit system construction

目 錄
摘 要 I
Abstract II

第1章 緒論 1
1.1 研究背景及意義 1
1.1.1 研究背景 1
1.1.2 研究意義 2
1.2 國(guó)內(nèi)外研究與發(fā)展情況 2
1.2.1 國(guó)外研究現(xiàn)狀與發(fā)展情況 2
1.2.2 國(guó)內(nèi)征信體系研究現(xiàn)狀 3
1.3 研究方法 4
第2章 理論依據(jù) 5
2.1 相關(guān)概念及理論 5
2.1.1征信概念的界定 5
2.1.2 建立征信體系的理論依據(jù) 5
2.1.3 國(guó)際征信模式 6
2.3 征信的相關(guān)理論 10
2.3.1信息不對(duì)稱理論 10
2.3.2 交易成本理論 11
第3章 xx市征信體系構(gòu)建中存在的問題 12
3.1 xx市信息產(chǎn)業(yè)局征信體系構(gòu)建情況介紹 12
3.1.1 xx市信息產(chǎn)業(yè)局自然情況 12
3.1.2 xx市信息產(chǎn)業(yè)局征信體系構(gòu)建情況 13
3.2 xx市征信體系構(gòu)建存在的問題 15
3.2.1 信用信息整合困難 15
3.2.2 征信產(chǎn)品供給需求不足 15
3.2.3 行業(yè)監(jiān)管存在漏洞 16
3.2.4 信用意識(shí)淡薄 16
3.2.5 專業(yè)人員匱乏 17
3.3 牡丹市征信體系構(gòu)建存在問題的成因分析 17
3.3.1 征信行業(yè)法律法規(guī)缺失 17
3.1.2 缺乏有力的行業(yè)監(jiān)管主體 18
3.1.3 缺乏有效的失信懲戒制度 18
3.1.4 商業(yè)誠(chéng)信制度不健全 20
3.1.5 信用教育宣傳不足 20
第4章 xx市征信構(gòu)建的對(duì)策建議 22
4.1 完善征信運(yùn)作機(jī)制 22
4.1.1 建立有效的規(guī)章政策 22
4.1.2 整合信用信息資源 23
4.2 加強(qiáng)信用市場(chǎng)建設(shè) 24
4.2.1 明確監(jiān)管主體培育行業(yè)監(jiān)管 24
4.2.2 建立失信懲戒制度 25
4.2.3 完善商業(yè)誠(chéng)信制度建設(shè) 25
4.2.4 大力開展誠(chéng)信宣傳教育 26
4.3 加快征信人才培養(yǎng) 27

結(jié) 論 29
致　謝 30
參 考 文 獻(xiàn) 31
附錄1
附錄2