The Construction Of The Credit Investigation System And Relative Policy Suggestions

As the main financial Intermediary in the market, commercial banks are facing kinds of risks. The World Bank funded that the credit risk is most important reason for the bankruptcy. Credit investigation system and mortgage mechanism are the main way for the bank to protect the loan. But this is an enormous waste to the resources. Now many risks of the mortgage mechanism have been appearing. And credit investigation system has major function on regarding the credit risk.This paper adopting a research method which combines theoretical analysis with positivist analysis, bases it's research on China's reality, creatively compare the development condition, the problems and the efficiency of the two mechanism , and analysis the cost and the income of the credit investigation system. Then the paper indicates that, on the premise of the reform of property rights, the choice of modes of establishing a healthy credit investigation system in China should follow the way of marketing. The last chapter discusses the approaches of constructing credit investigation system accorded with our national conditions and provides relative policy suggestions.