Studies on Chinese Credit-Scoring System Benefieted from US Experiences

With the rapid development of national economy,personal credit and credit for consumers weigh much more.However,the current development of Chinese Credit Rating System absolutely has been laggecl behind,which seriously cumbers not only credit loan,but also the development of economy in China. In view of the practical conditions,the paper deeply analyzes American Credit Bureau——one of the most mature and prominent credit rating systems in the world,as a comparason with the industry in China,and concludes some important measures as to developing Chinese credit rating system.