Research On The Establishment Of The Personal Credit System In Our Country

Market economy is credit economy, the personal credit is the core and foundation of the social credit, to establish and strengthen personal credit system has the important and realistic meaning to develop our country's market economy. Along with increasing demands for personal credit data by financing institutions and units, the importance of the personal credit system presents increasingly. At present, the establishment of the personal credit system has been paid much more attention by the public. Every local department takes an active part in how to establish a valid personal credit system. According to such situation, the author chooses "Research on the Establishment of the Personal Credit System in Our Country" as the topic of the thesis. On the foundation of analyzing basic meaning and formation of personal credit system, this thesis sums up the developing process of the personal credit system. At the same time, thoroughly analyzes the present conditions and existing problems of personal credit. Drawing lessons from advanced experiences in developed countries, the author puts forward the idea of "market operating modes led by the government" and talks about the study of personal credit system from the angle of systematic theories. The main works and innovational points are showed as following: Firstly, the thesis explains the implication and its basic construction of personal credit system in details. This is the foundation of establishing personal credit system. The author fingers out the" limitation of "credit investigation" and puts forward three levels of structures of the personal credit system: one is about a personal credit system based on the financial activities, another is about a personal credit system based on the economic activities, the last is about a personal credit system based on the social activities. From those, the thesis points out that perfect credit system is composed of 6 parts, that is, of personal credit management system, of personal credit law system, of personal credit organization system, of personal credit professional supervision system, of personal credit education system, and of personal credit organization for prize and punishment.Secondly, the thesis goes deep to analyze current situations and its existent problems in developing the personal credit system in our country. Though our country's personal credit system starts later, it has already made great progress. Such as, it has been attached importance by the public, what's more, it has been making trial experiments successfully on personal credit by the local departments, the organizations of credit have been...