摘要：上海作为中国征信行业的先行城市，开展征信建设已经十多年了，但上海在征信体系的建设中还存在着许多的问题，比如说：征信市场的准入门槛较低、信息整合困难、征信产品需求量不高、法律法规薄弱、对失信惩罚力度不够、从业人员资质参差不齐等都是在上海征信体系建设道路中出现的问题。随着与国际经济接轨，信用交易逐渐被广泛使用，加速发展符合上海国际金融中心建设的征信体系,已经成为当务之急。本文在简单阐述了上海征信业现状的基础上，列举了上海征信体系现存的几个问题,并分析问题产生的原因和支持征信体系发展的现实因素。从优化征信模式、完善法律法规、加强建设数据库、大力发展征信机构、制定惩戒机制等方面,提出了加快上海征信业发展的设想。

关键词：征信体系  上海模式  征信建设  

Abstract: Shanghai as China's first city in credit industry and credit construction has been carried out for over a decade, but there are still many problems. For example, the standard of access to credit market is low, there are many difficulties in information integration and no enough demand, laws is weak makes light punishment, another is different qualifications between the practitioners. All above are the problems appeared in credit system construction in Shanghai. Credit transactions are widely used under the international economy. So Development of suitable construction of Shanghai international financial center credit system has become a top priority. This article simply expounds the credit reporting industry and lists several problems existing credit system in Shanghai, also analyzes the causes of these problems. Proposing some idea to accelerate the development of Shanghai credit reporting industry from these aspects, such as optimizing the mode of credit investigation, improving the laws and regulations, strengthening the construction of the database, developing the credit reporting agencies and making punishment mechanism.

Key words:  credit system   mode of shanghai   credit construction