我国信用危机现象日益突出，对经济的健康发展造成威胁。银行信贷征信体系建设是我国当前征信业发展的基础，但我国征信管理法规不够健全，理论滞后，银行为主导的征信体系发展经历了逐步壮大的发展历程，并在市场经济交易中发挥重要作用，下一步要继续完善银行征信系统的建设，推动社会信用体系的发展。%Credit crisis phenomenon is increasingly prominent in China, which poses a threat to the healthy development of the economy. Bank credit investigation system construction is the basis of the current credit reporting industry development in China, but China's credit reporting management laws and regulations is not sound, and the theory lags behind. The bank-leading credit reporting system has gradually expanded and played an important role in the market economic transactions. The bank credit reporting system should be improved further to promote the development of the social credit system.
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