Study Of The Personal Credit System Building In China

Credit is the foundation of market economy. Nonsynnetric information thenomenon, gambling and lacking fidelity of transaction lost are existed in market economy. It is necessary for us to get the credit system to perfect business action and form a reasonable relationship of contract. The personal credit system is the important performance of mature market economy and the composing part of market economic system, perfecting personal credit system can make the "social economic life develop healthily, we are not optimistic about today's personal credit in our country. The author tires to study the basic thinking clue of our personal credit system and its main steps and countenneasures etc.The author makes use of economic theory about personal credit system to introduce its influence in the market economy, while studying the present condition of personal credit in western country and harvesting beneficial thought. The author analyses the present condition and problems of our personal credit and the system clauses of the problem involved in our personal credit. On basis of these, the author put forward the reality meaning to strengthen personal credit system in order to improve the theoretical knowledge of personal credit systems. Finally, the author systemically analyses the whole thinking clue of setting up Chinese characteristic personal credit system and main steps, the possible countermeasures, putting forward the domestic technique and methods to strength personal credit system, introducing suitable operation system and regulation model.