The Study On Domestic Personal Credit And Governance

this paper is to study personal credit and its governance in domestic economic development. By defining and analyzing the basic characteristics, risk, and development rules of personal credit trades in economy, and the economic mechanism and some institutional factors to cause personal credit loss, systemically explores the future governance polices and institutional choices to propel the development of domestic personal credit trades.first, on the basis of the theories of modern credit and risk management, definite and explain personal credit, risk in personal credit and credit loss. Then, as to personal credit trades in economy, expound the happening mechanism and economic and financial effects of the risk of personal credit in view of great social production and production relationship. Further, taking consumer credit as main research object, show the empirical analysis about domestic and current personal credit trades and risk, to sum up universality and particularity of domestic personal credit. Furthermore, by the definition of personal credit risk and loss, explore their exhibition and causes in the multiple institutional views. Finally, on the basis of above theoretical induction and empirical exploration, at the aim of normative requirements of developing economy and society harmoniously, advance some guiding polices and institutional choices.