On Our Country's Personal Credit The Perfection Of Legal System

In our country under the influence of the planned economy system, has been directly by the government through the administrative behavior to finish on the social and economic resources allocation, personal credit be looked upon as a kind of simple sense of the auxiliary tool. As China's "acquaintances society" to "strangers society" of change, weak individual credit basis, the bad social credit environment has become the restriction of market economy development, inhibit social legalization of one of the main factors. In the United States in 2007 outbreak of the subprime crisis also once again was a wake-up call for us, it would be enough to affect a global economy of the disaster, from the source, it is because of a lack of personal credit to. So in reality of urgent needs and the requirements of rapid economic development, more and more legal workers will sights on personal credit law in a severe lack of issues, personal credit legal system of laws and regulations are in urgent need of perfect problem will increasingly prominent.From the essence sense, personal credit legal system is to the individual credit behavior for supervision and administration, protecting the personal credit activity to safety and orderly operation laws set of combined. Perfect personal credit legal system is fastidious natural person credit conditions the fundamental guarantee, is a good socialist market economic operation mechanism is an important part of; Perfect personal credit legal system is not only beneficial to in order to deal with the financial crisis, to speed up the economic transformation, and help to eliminate people in the tension and the strangers society between the alert. And the complete system to advance the legislation, by building the legal system, and promote the transformation of the notion of people credit, and eventually create a suitable for China's national conditions of transaction costs low, credit level high market environment.This paper is divided into four parts:the first part of the first personal credit and personal credit to the concept of legal system is discussed, detailed analyzes the connotation of deep personal credit; Secondly in concept of analytical basis of personal credit of characteristic and personal credit legal system content summarized; Finally, this paper expounds the importance of individual credit legal system function, points out that the perfect our country's personal credit legal system in China will help promote the prosperity and development of the individual credit consumption and create a healthy and orderly market economy trade environment, and can drive our individual faith attitude shift of value. The second part mainly introduced the U.S., Germany, and Japan about personal credit to the related law regulation, and sum up the foreign advanced experience in legislation in our country and the improvement of the system of personal credit law gives the reference. The third part of the paper for our current personal credit legislation this paper introduces the present situation, the paper focuses on the representative list of the individual credit legislation, and combining with the actual situation of the current, and further points out the current our country personal credit legal system of some problems existing in, including:personal credit law laws and regulations are not perfect, personal credit evaluation standard chaos, a lack of information disclosure of personal privacy protection, etc. The final part of our country from the national conditions, according to the personal credit legislation of related problems put forward the creative Suggestions, and for personal credit legal system in the practice of existing problems and put forward a concrete improvement measures, specific include:establish and perfect the relevant law and related measures, formulate unified personal credit evaluation standard, to strengthen the protection of the individual credit information, improve personal credit Internet supervision mechanism, perfecting the information disclosure of news media, define individual of breaking mechanism of illegal imputation six aspects.