请帮忙把这段摘要翻译成英文，谢谢了，我急需

来源：百度知道编辑：UC知道时间：2024/05/22 12:01:07

逐步建立建全社会范围的个人信用制度。建立科学有效的个人征询体系是银行控制消费信贷风险的前提保证。从目前的实际出发，先在银行内部以信用卡个人信息资料为基础，将其他各专业部门保存的个人客户信息资料集中起来，建立全行业性客户个人信用数据库，使每个客户都有相对完整的信用记录，并以此为基础建立个人信用总账户，个人与银行的所有业务均通过总账户进行。同时，加快建立国内各金融机构之间的信息交换制度。
然后，由中央银行建立一个股份制个人征信公司，联合金融机构、政法部门、劳动力管理部门、企事业单位等，搜集整理个人收入、信用、犯罪等记录，评估个人信用等级，为发放消费信贷的金融机构提供消费者的资信情况。可以先易后难地组建征信公司，逐步扩大。征信公司应把各家金融机构作为会员，金融机构免费向征信公司提供个人信用记录，参加组建的其他部门同样要免费提供有关的个人资信情况。金融机构和个人查询时要付费，以便保证征信公司正常运转。不过这项工作的试点目前已经在上海展开，应将成功经验向全国推广，为消费信贷的全面开展创造条件。
【关键词】消费信贷，个人信用度，风险

Gradually establishes constructs the entire social scope individual credit system. The establishment science is effective personally seeks information the system is the bank control expense credit risk premise
guarantee. Embarks from the present reality, first in the bank interior take the credit card individual information paper as the foundation, preserves other each specialized department individual customer information paper to concentrate, establishes the entire prefessional customer individual credit database, enable each customer all to have the relative integrity the credit record, and establishes
individual credit total account take this as the foundation, personally carries on with bank all services through the total account. At the same time, speeds up between the establishment domestic various financial organ the exchange of information system.
Then, establishes a joint stock system by the Central Bank personally to draft the letter company, the union fina

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