China, The Strategy Of The Personal Credit System Study

Constructing Personal Credit System is a new project in China. Compared with western developed countries, Personal Credit System in China still needs to be developed further. This dissertation mainly targets on how to set up Personal Credit Policy, which is proper for Chinese economy.Firstly, the paper gives a certain definition of credit. By means of summering the development of credit and relative concepts, the concept of personal credit is defined. Secondly, according to the questionnaire of bank's employees and other ordinary citizen, the paper discusses the citizens' and banks' ideas and requirements of Personal Credit System. Last but not least, to purse the reasons that cause credit crisis and the strategy of resolving the credit crisis, the paper summaries the experience of constructing personal credit policy in developed and developing countries and obstacles in Chinese society. After that the suggestions of constructing Chinese personal credit policy are put forward.