各国征信行业的发展呈现不同的发展模式，代表性的主要有市场化模式、公共征信模式和会员制模式等，西方国家征信业发展较为成熟，归因于信用管理法规比较健全、民众信用意识强、市场经济发达，在借鉴国外征信业发展先进经验的基础上，我国信用体系的建设应采取适合我国国情的发展模式，逐步推进。%The development modes of credit reporting business in different countries are different, in which the marketing mode, public credit registry and membership mode are representative. Owing to sound credit management law and regulations, strong public credit consciousness and developed market economy, the development of credit reporting business in western countries is relatively mature. On the basis of referring to the advanced experience of credit reporting business, the construction of credit system in China should adopt a development mode suitable for China's national conditions and progress step by step.
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