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世界上的信用制度已建立了150余年,一般有两种形式:一种是欧洲推行的由政府主导,联合个人、央行深度介入的模式;另一种是美国的受政府制约与规范的市场化的民营公司运作模式。美国个人信用制度的具体情况是:信用局及其职能当今美国实施个人信用制度的主要机构是民营的、盈利性的股份公司——信用局。美国的第一家民营信用
The credit system in the world has been established for more than 150 years. There are generally two forms: one is the mode of European-led government-led intergenerational involvement by individuals and the central bank; the other is the market-oriented regulation and regulation regulated by the government in the United States Private company mode of operation. The details of the personal credit system in the United States are: The credit bureau and its functions The main institution in the U.S. today that implements personal credit system is the privately-run, profit-making joint-stock company Credit Bureau. America’s first private credit