Research On The Legalization Of Marketization Of Individual Credit Reporting Agencies

The process of individual credit has been greatly influenced by the historical process and the change of economic system in the China's market economy.The modern meaning of the individual credit activities at the time of the establishment of the legalization of the development of the guiding ideology,and implement the concept of governing the country according to law.At the same time,individual credit in our country from the government-led gradually developed into a market-oriented,in which the market in the individual credit resources allocation plays a decisive role in the gradual establishment.Personal credit information activities are numerous,and in the complex individual credit activities involved in the type of individual credit information is also more extensive,including individual credit information ontology individuals,personal credit information controller,processor and use,as well as regulators of individual credit activities.The reason why this research object is limited to individual credit institutions,because of its individual credit activities in the core position,set the personal information controller and processor in one,and individual credit information between the main,individual credit information between users which is the main supervisor of individual credit supervisors,and participates in the whole process of individual credit information collection,collation,storage,analysis and use,and thus plays an important role in personal credit information activities.There are still many gaps and shortcomings in the system of individual credit institutions,which can not meet the legal requirements of individual credit institutions to carry out individual credit activities at present,resulting in conflicts and contradictions between real demand and legal supply.This paper introduces the individual credit information market and individual credit information system after a brief introduction to the individual evolution of the credit information.This paper discusses the two channels of individual credit from the traditional non-marketization.This paper discusses the legal issues involved in the process of market entry,business operation and market exit,and strives the individual credit information institutions to participate in all aspects of individual credit activities.Links in the market of individual credit institutions involved in the main legal issues.It is pointed out that China's individual credit is being developed in the process of market-oriented reform of individualized credit by the traditional non-marketization individual credit information,whether it is the traditional non-marketization individual credit or the future realization of the market individual credit,the regulatory body of the individual credit institutions supervision is always there.But for the two models of regulatory objectives and regulatory attributes are different.Therefore,at the end of this paper,the author analyzes the shortcomings and limitations of the original non-marketed individual credit institutions in the face of the new problems of marketization,and updates the concept of supervision in the context of marketization,and then redefines the individual credit the regulatory principles of the organization.Based on the actual legal needs put forward by the individual credit institutions in China at present,this paper combines the existing legal system and related system of the individual credit institutions,and summarizes the basic national conditions of our country.In the existence of the system gaps and deficiencies the legal issues in which the theoretical discussion.To provide a better legal environment for the development of the marketization of individual credit institutions in China so as to make the process of the development and marketization of the individual credit institutions in our country more embody the connotation of the legalization and to be well in the reform of the socialist market economy development of.