Study On Construction Of Credit-Collecting System In China

In modern economy, information asymmetry in trade exists objectively and cannot eliminate by the roots. According to Mr FeiXiaotong's theory on "The Pattern of Difference Sequence", business society can approximately be classified into "concentric circle society", "acquaintance society" and "modern network society". In those three "society", the degree of information asymmetry and credit risk faced is different. Therefore, in order to reduce information asymmetry and enhance trade efficiency, it is quite necessary to set up modern credit-collecting system in transition from traditional "acquaintance society" to "modern network society", which is of great importance to better modern market-oriented economy in China.Construction of credit-collecting system overseas is with a long history and formed into "America model", "Europe continent model" and "Japanese model", in which invaluable experience is worth using for reference. From 1990s, Construction of credit-collecting system was explored in all quarters and section of China, and some accomplishment has been achieved, but problems and discontent still exist. Beginning with the reality of our country and borrowing successful experience from other countries, this article holds: the ideal model of construction of credit-collecting system in China is to set up a integrated institution credit-collecting system including business credit-collecting and individual credit-collecting where business credit-collecting is operated in private, and individual credit-collecting is operated both in private and public in near future ,but finally private operation must be the main form; and to set up a perfect and unified law system about credit-collecting, technical standard system, supervision system, talents cultivating and scientific research system. Therefore, basic system that we try to build up and better from now on includes the system of effective protection of property right, the system of standardizing governmental behavior, boosting the construction of society ruled by law, and etc. The more detailed suggestion to the development of credit-collecting system is to improve the credit credit-collecting system structure, to enact the national legislation and regulation of credit credit-collecting, to clarify the government supervision department of credit credit-collecting and its function, to draw up the technical standard of credit credit-collecting as soon as possible ,and to reinforce the theory education, profession training and scientific research of credit information system.