摘要：信用是现代金融活动中非常重要的组成部分，因此，获取信用信息的征信过程也就显得尤为重要。然而，尽管我国的经济正在高速发展，应该相配套的个人征信体系建设却严重滞后，这种脱节的现象导致我国现在的经济发展过程中出现许多问题。相较之下，同为世界大国的美国则拥有一套完整的个人征信体系，这也是美国与中国经济实力差距的原因之一。经过一百多年的摸索与发展，美国形成了一套以第三方征信机构为核心的个人征信体系，成为世界上个人征信体系最发达的经济体之一。美国的成功经验很值得中国学习，尽管中国与美国的国情有着很大的不同，但是中国仍然可以从美国的个人征信体系中找到很多值得借鉴与学习之处，并将这些经验运用到中国自己的个人征信体系的发展中。

关键词：信用  征信行业  个人征信体系

Abstract: Credit is a very important part of financial activities. Therefore, the method to get credit information, credit investigation is also very important. Although the economy of China is developing quickly, the credit investigation system is very backward. Because of the backward of credit investigation system, China has faced a lot of problems during the economy growing. Compared with China, USA has a completed personal credit investigation system, it is also an important gap between China. Although the states of China are very different from USA, China still can analyze the advantages of the personal credit investigation system, and get some experience to build the own personal credit investigation system of China.

Keywords: Credit  Credit investigation  Personal credit investigation system