The Individual Credit Reporting Legal System Of Our Country

Honesty is important norms of social morality, the healthy development of the market economy important premise. Perfect personal credit legal system is the foundation of credit society construction, A sound personal credit legal system is the legal protection of perfection personal credit system.China's personal credit started in 1980's, has been nearly 20 years of development experience.But the individual credit industry development is slow, personal credit industry with the development of social development, cannot satisfy the need of the society. The slow development of personal credit reason mainly in the following aspects:first, our personal credit legislation lagged behind, there is no national unity, and lack of credit law with the consent of the relevant laws and regulations.Europe, Japan and other countries of the credit system is developed, because they established a complete credit legislation system, personal credit for the healthy development of the standard, provides legal protection.Second, a large number of personal information legally in many public institutions, government agencies, public services company, provides some businesses or individuals can easily and management of personal information, combined with authority to obtain interest personal information, personal credit industry development unbalance, chaotic situation.Third, the economic value of credit in national credit and is the level of enterprise credit, and in personal credit is less, causes our country's application of the credit consciousness, individual pay no attention to their credit.China's accession to WTO for many years, the individual credit has faced with lining with international credit information, therefore it is imperative to establish individual credit legal system, rapid development of China's personal credit.This paper described six characteristics of individual credit information system and the economic and social significance, analyzed the four basic theory of personal credit information:asymmetric information theory, information management theory, transaction cost theory and the theory of credit limits. Then discusses the credit system in developed countries the advanced experience, mainly the American market credit system, the Europen public credit system, Japan's membership credit system and South Korea information sharing system of credit system. Secondly elaborated on China's current three credit system:Shanghai personal credit information system, Shenzhen personal credit system and the People's Bank of China the personal credit information database; on the analysis of the present situation of the legislation was put forward on the basis of our personal credit problems existing in the legal system. Finally, Finally puts forward personal credit legal system, and from the appropriate mode, establish credit credit regulators Suggestions and building personal credit legislation system from three aspects:constructing.