Research On Management Of Individual Credit Records

The credit archives of individual are the sum of all kinds of documents which record individual basic situation and conditions of trustworthiness. It can reflect the individual idea and ability in the morality, law, economy, society and occupation integrally and truly, providing the important proof for the economical behaviour of both individual and society. It the basic of credit archives, and also a new record type being established and perfected constructively in the national record system. With the development of Chinese economy and financial credit system, the need to communion of individual conditions of trustworthiness becomes more and more urgent, so making clear that the concept, character and function of the private credit records, summarizing the management model and experience of the private credit records in the other countries, analyzing the defect of our management system of the private credit records are all significant to construct the management system of the private credit records with the Chinese distinctive feature. The article first starts from the basic factors such as the concept and character of the private credit records, comparing it with"credit files"in the concept, and then summing up the constitution, features and function of this kind of records.On the aim of the"Europe model","Japan model"and"U.S. model", comparing the superiority and limitation of the three models. As the three nation credit system has experienced hurdreds years, the three models are relatively ripe for the others. Expecially the America: America has the biggest credit trade amount in the world, developed IT provide the basic for constructing the big information web of private consumption and managing complex information. At the same time, the government of U.S. also sets up the department of credit supervision and administration, carrying on the perfect legislation of credit management. Intervening of federal government in the field of private credit management highly makes up the defect of"off-shore file management model", weaken the degree of commercialization of"private credit", so American private credit management system will make further development in a short time, in spite of the contradiction and limitation lie in the longer development. The next part, the article thoroughly analyzes the present development conditions of our private credit records. As our system is in the start stage, this cause many problems: the weakness of private credit consciousness; lack of objective private credit information; lack of the information communion system; the hysteresis of legislations and policies etc. with the historical reasons and realism defect of system, weakness of individual credit consciousness and excessive dependence on the government lead to the absent of trust among the society units, at the same time, the contradiction between the rapid development of economy and backward management system becomes more and more obvious, the level of society credit service can't satisfy the need of economy development. So the development of market economy need integral private credit records system. The most important is how to constitute strong legislation and supervision and lead and develop"credit investigation services"correctly, the promote the benign interaction among them.The article merely study the construction of our private credit records system. Since china join in WTO, our economy is enmeshing into the international track gradually. The level of domestic credit investigation services and credit records management have to keep the step with international level. The article depicts the blueprint of china private credit management system: that is to set up the system with diversified form, scientific arrangement, agile mechanism and convenience management on the principle of"many, rapid, good, economize", to combine"Europe model"with"U.S. model", at the initial stage to mainly rely on credit investigation company with the assistance of the government intervene, that is under the supervision and guide of national professional credit department, to give priority to the development of some private credit investigation company,to practice complete market operation, to set up nationwide centre of data exchange and realize the share of date throughout the data exchange. By this way to avoid both the irregular of the government intervene and the blindness of credit commercialization. At the same time, to consummate original data web and revise legislation, the work of credit management system should be supervised by the government.Lastly, there is one thing to say : the transform and consummation of the system need the concept which has far-reaching influence. Mature market economy is a kind of credit economy in itself, credit is not only a kind of moral character, but also incorporeal asset . it is necessarily to make everyone to realize that credit is both the base of foot-holding of individual economical behaviour and passport to participate in society economical coordination. The government should increase the strength of propaganda and education, create a favorable public environment of value credit, thus enhance the credit consciousness of the entire people, make credit and honest become the driving force in the field of both economic structure and ideological progress.