The Study, Based On E-government Network Of Personal Credit Information Resources

Market economy is based on the credit. Credit information is the foundation of credit system while personal credit is the cell of the credit system. We believe that the collection of 1.3 billion people's credit information is really a large number of precious resources. On the one hand, in China most credit information is stored in a variety of government departments. On the other hand, when we have started to construct social credit system, China's e-government has been developing for over ten years which has provided the best opportunity for the construction of social credit system. Taking into account of the two aspects, it is necessary and advisable to take advantage of e-government network to exploit and utilize personal credit information. Then we can make breakthrough and will construct a large-scale personal credit information database as quickly as possible without experiencing the gradual developing process of America and Europe. Firstly this paper analyzes the relative definitions, mutual relations and present situations of China's e-government and personal credit information exploitation and utilization. The third chapter is the core of the whole paper. We firstly create an e-government network sharing platform which can support the exploitation and utilization of personal credit information. Then we divide the process of personal credit information management into three phrases—collecting, processing and utilizing and discusses the problems related to the three phrases respectively. Then this paper analyzes a case -the e-government external network platform and credit information system of Hunan province in order to prove it is highly advisable to exploit and utilize credit information based on e-government network in China. Finally this paper analyzes the difficulties and problems of our country's personal credit information exploitation and utilization. All these problems are derived from the comprehensive consideration of the experience of foreign credit countries and the present situation of our country. Then we give some advice to improve the exploitation and utilization of personal credit information.