个人信用管理制度的建立具有十分重要的意义。现有的政治基础、经济基础、伦理基础和法律基础构成了建立个人信用制度的坚实基础;数据环境制度、法律环境制度、人文环境制度和行业管理制度构成了个人信用管理制度的基本内容。 The establishment of personal credit management system is of great significance. The existing political basis, economic basis, ethical basis and legal basis constitute a solid foundation for the establishment of an individual credit system. The data environment system, the legal environment system, the humanistic environment system and the industry management system form the basic contents of the personal credit management system.