And the operating mechanism of individual credit systems of foreign countries is perfecting with the support of credit management system . its content is getting richer and richer , including : the individual credit record booking system , the individual credit rating system , the individual credit risk forecasting mechanism , the individual credit risk managing system and the individual credit risk imputing mechanism 而发达国家个人信用制度的运作机制在信用管理体系的支持下不断趋于完善,内容也不断丰富,具体包括:个人资信档案登记制度、个人资信评估制度、个人信用风险预警机制、个人信用风险管理制度以及个人信用风险转嫁机制。