The Research On The System Constructing Of Credit Checking In Hunan

Credit is the foundation of market economy. Credit checking is a effective approach for constructing and solidifying credit system, and it is very significant that studying on credit checking and supervising. This paper, on the base of credit and theory of credit checking supervising, discusses the reason for setting up society credit system, content, and design of mechanism. And discusses how to deal with the supervising policy problem on credit checking supervising and development, demonstrates hot problem of credit checking industry and its supervising in Hunan province, puts forward some referenced policy advise. This paper also brings forward authors' self-governed viewpoints after analyzing the matter which influences Hunan credit checking and supervising system present and aftertime, and uses inside and outside available experience on credit checking system for reference, comparatively analyses two kinds of model of credit checking supervising. According to the authors' opinions, this paper puts forward 7 pieces of advice as follows which will promote Hunan credit checking developing normatively, health, and fast.1. Establish sanity credit checking laws. This paper advise that government should constitute administration manage bylaw which will fill up the law blank by using developed countries' advanced experience for reference on the base of present economy and finance laws, meanwhile, emends the items in present laws which collides with new laws.2. Balance the relationship between credit checking development and protecting individual intimacy, which includes protecting consumers' right of knowing the inside information and accuse, ensuring credit information complete and timely.3. Establish credit checking system in same industry, unite supervise mechanism and information sharing system. It includes collecting credit information resource from all departments and all industries, founding credit information sharing mechanism, etc, which should rely on "the enterprise and individual basic credit information system" made by PBC and take enterprise and individual credit checking as breakthrough.4. Set up principal part restricting mechanism, which means propagandize credit concept, found prompting mechanism for good credit report and punishing for bad ones. 5. Establish passing in and out mechanism for credit agency market. Government should support within measure its development, and take a concentrative approach.6. Establish credit industry criterion system, which ensure credit industry running in order and effectively, and developing in high jumping-off point.7. Establish credit industry system in self-discipline, credit salvation, and professional education.