本文从信息来源、信息量、网站建设、网站服务等方面分析了我国企业信用信息系统的发展现状，并根据不同的征信模式将其划分为“央行主导模式”、“政府主导模式”、“政府监管模式”，分类讨论其特征和优缺点。通过对比美国、欧洲、日本的征信体系模式，并借鉴美国邓白氏公司的成功经验，笔者从市场运作环境、征信管理模式、信息系统建设方面，提出了对完善我国企业信用信息系统的建议。未来我国企业信用信息系统的发展应融合“政府主导模式”和“政府监管模式”两者的优点，充分发挥政府在征信工作中的号召力和盈利性征信机构的专业评级优势，提高信用信息收集的全面性、可靠性，重视用户的需求，坚持以人为本，并不断扩展增值服务领域。

This thesis analyzes the current development of enterprise credit information systems in China from information source angle, information content angle, website design angle, and website service angle. After experimenting on some real websites, the author introduces the advantages and disadvantages of three operating modes, Central Bank Lead Mode, Government Lead Mode, and Government Regulation Mode, and compares Chinese credit information systems with that of the most successful private information broker, Dun & Bradstreet. Besides, the author gives suggestions on the development of credit information systems in China from three aspects, the market environment, the managing mode, and the system construction. The future of our enterprise credit information systems lies in the combination of Government Lead Mode and Government Regulation Mode. And in order to provide better service for information users, the systems should pay special attention to users’ needs.