摘要：中国经过三十几年的改革开放，已经建立了有着中国特色的社会主义市场经济体系框架。可是，与中国特色社会主义经济配套的信用管理制度却没有能够同步实时的建立起来。在社会和经济生活的各个方面，信用缺失已经带来了许多不利的负面影响，并且成为了国民经济发展的重大阻碍。本文通过列举案例、并且对数据案例进行归纳等方法，来对美国的消费者信用管理的体系在立法、各种机构的设立等方面来全面分析，同时也对我国的的消费者信用管理体系进行了对比分析，本文发现我国在立法、国民意识等方面还存在着诸多问题，例如立法不够全面、国民意识淡薄、政府对于整个社会的消费者信用管理不是十分重视、各种消费者信用管理机构也建设的不全面等问题，并且在最后提出相应的改进措施。

关键词：信用管理 消费者信用 美国 经验借鉴

Abstract: After 30 years of reform and opening up, China has set up a framework of the system of socialist market economy with Chinese characteristics. But, with the economy of socialism with Chinese characteristics of the establishment of the credit management system is not able to real-time. In all aspects of social and economic life, lack of credit has brought many negative effects, adverse and became the major obstacles in the development of national economy. This paper enumerated case, and the data, summarized the case method, for the American consumer credit management system in such aspects as legislation, the establishment of institutions to comprehensive analysis, at the same time also to our country's consumer credit management system has carried on the comparative analysis, this article found in the legislation in our country, the national consciousness, etc still exist many problems, such as legislation is not comprehensive, national consciousness, consumer credit management of the government for the society as a whole is not very seriously, all kinds of consumer credit management organization and construction of such problems as incomplete, and at last put forward the corresponding improvement measures.　

Key words: Credit management  Consumer credit  America  Learn a lesson