中文摘要：

个人信用评估体系的建立是一项复杂的系统工程,是金融机构进行放贷的关键考察因素,也是信用社会发展的必然需求。本文就概述个人信用管理制度、个人信用评估指标体系和评估方法三个方面的研究,指明我国个人信用评估体系现实和研究中的不足和未来研究方向和发展趋势。

英文摘要：

The establishment of individual credit evaluation system is a complex system engineering and a key factor to lending study.It is also an inevitable demand for the development of credit society.In this paper,we make an overview study of personal credit management system,the personal credit evaluation index system and assessment methods.We are in order to indicate the shortage of the reality and study of our personal credit evaluation system,and the direction and trends in the future research.