The establishment of personal credit inquiry system in China lacks basis, unified planning and comprehensive evaluation system.
我国个人信用征信制度建设缺乏基础和统一规划，也没有完善的评价制度。
Chapter 3. Introduce the system of personal credit evaluation be used to make decision of loan in commercial bank and point out the problems in this system.
第三章分别介绍了国内外商业银行的个人资信评分体系，对它们进行了比较，指出存在的问题。
Personal credit rating is an important means in improving the efficiency of market transactions. To establish scientific evaluation system is a powerful guarantee in promoting our market economy.
个人资信评估是提高市场交易效率的重要手段，是国家资信评级体系的重要组成部分。
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