Research Personal Credit File Management

Personal credit file is a conservation value and can reflect the basic personal credit situation of the original records of personal social practice in the past formed directly. Domestic existing personal credit file management mode mainly to "Shanghai model" and "Shenzhen model" as the representative, these two models are some problems. Experience personal credit file management mode United States, France, Japan and other developed countries is worth learning. Construction of personal credit file management mode of thinking is that under the leadership of the people’s governments at all levels, unified by the archives administrative bodies at all levels, hierarchical management of personal credit file. Specifically, the macro from the administrative authorities in charge of the National Archives National Archives of personal credit, personal credit for the National Archives in the overall planning, development of uniform standards and collect operational guidance and supervision; micro-credit institutions in accordance with the terms of the National Archives is standards established by the administrative authority to manage their own or third-party intermediary management agency set up to manage.