The Research On Improvement Of Jiaxing's Personal Credit Systemthe

Personal credit system is the core of building a social credit system, is the cornerstone of modern financial system operation, maturity of the market economy is an important symbol. Reinforcement of Personal credit system, the credit for raising awareness of the whole society, strengthen the integrity of the social economic order and moral construction and the integrity of the building, improve the social credit system to effectively prevent, reduce and defuse financial risks and promote the building of a harmonious society, have an important the economic and social significance.Personal credit system is a broad in scope and complexity of systems engineering. In recent years, the academic community for the construction of China's Personal credit system study after another, different opinions, but generally remain in the credit system, the discussion on the concept of layers, the lack of systematic analysis, based on this, this paper as to the status quo of China's Personal credit system systems analysis as a starting point to explore the personal credit information system problem , with the help of public economics, management and other principles to analyze the causes, drawing on international experience, based on the obtained Improving Personal Credit System countermeasures, in order to make our Personal credit system maturity, and thereby promote social harmony and economic health of sustainable development.This paper mainly focus on the following fronts: Firstly, detailed definition of the credit, personal credit information system, credit system, the basic concepts and theoretical basis. Analysis of the meaning of individual credit information system, composition, role in the economy, as well as the various parts of the mutual relations.The second is to review the development process of China's Personal credit system based on Personal credit system building in China the problems are analyzed, the same time, improve domestic Personal credit system provides the basic idea. Jiaxing City, which focuses on the status of individual credit information system, pointing out that personal credit information system in Jiaxing city, the problems are: credit education, need to be further strengthened; objection to the incident-prone; commercial banks, the use of personal credit information system and management are not standardized ; personal credit information of varying quality; non-bank information collection work is difficult. At the same time the causes of the problem analysis.Thirdly, the developed countries described the development of individual credit information system experience and inspiration to our country. Focuses on the U.S. market-oriented management model, the European country's public management model, as well as Japan's membership-based model characteristics and separate legal system, organizational system, monitoring system, and so to compare, on this basis should be used to raise our "The government-led market-oriented mode of operation", while strengthening the laws and regulations and the establishment of individual credit database, to strengthen supervision of individual credit system.Finally, the paper presents a complete personal credit information system of Jiaxing City, countermeasures and proposals. Namely, strengthening credit information; to raise the personal credit information dispute processing service quality; regulate commercial banks, the use of personal credit information management; establish and improve the data collection mechanism, and constantly improve data quality; further improve the work of non-bank information gathering.