Study Of Personal Credit Information, Credit Operation Mode

The highly developed credit system has a positive role in some aspects such as guarding finance risk, enhancing the efficiency of market resource disposition and so on. The credit system construction is the core link of the social credit system construction. The credit company and other kinds of public credit system is a guarantee to the good operation of modern finance system.The society has reached a compromise to establishing credit system, and we are completing the credit system. There are many papers researching on the credit market, especialy the asymmetrical information of credit market. But at present the study is still few on the relations of private and public credit registries, the characteristic of credit industy and how to develop the credit institutions. The paper is trying to discuss it.The first chapter introduced the credit concept and analyzed the character of China credit registries. Credit is origined from the development of the market economy. The prosperity and decline of the Chinese Credit Institute established in Shanghai mainly manifests the credit profession development history in china.The second chapter argued the China credit industry and discussed the problem of the credit system.The third chapter compared PCRs and PCBs, analyzed the operation of the foreign credit institute.They are supplied in function and target market, and slightly competed.At the fourth chapter, I compared the individual credit system between the Center bank and Shanghai credit limited company, and had a more explain to the complementary connections of the PCRs and PCBs by a private housing credit company case that has no background of government. Whereas the PCBs in China develop hard at present, there are still some scopes. The center bank credit reports have the elaborate...