The Path Choice Of Personal Credit Mode In China And Its Legislation Perfect

The activities of collecting,processing,disclosing and using personal and enterprise credit information are called credit information activities,which play an important role in the operation of financial system and even the development of national economy.In January 2015,the people's Bank of China issued a notice on the personal credit information business of eight social credit agencies was agreed to carry out related preparatory work.By June 2019,only the personal credit information business of Baixing Credit Information Co.,Ltd.had applied for permission from the central bank.Although the first personal credit license plate landed,but this does not mean that the personal credit industry before the difficulties and problems have been overcome and solved.Current The personal credit model in the world has diversified development,in the establishment of credit agencies,credit supervision system,information subject rights protection and other issues still need regulatory agencies and credit agencies and credit market to make targeted responses.China's current personal credit model is still focused on the overall,based on the central bank under the leadership of personal credit model of public credit,personal credit market development is still in a budding stage.In order to carry out the requirements of establishing credit system covering the whole society in the construction of credit information in our country,adhere to the new idea of the development of credit information between the government and the market,and the public under the central bank The construction of the new pattern of the credit system and the market-oriented private credit agencies is especially critical.At the same time,due to the lag of the law,it is inevitable that there are some difficulties in the operation of the credit market that have not been answered in time,whether in the aspect of credit data,privacy protection or credit supervision,there are more or less challenges.Therefore,this paper will start with the definition of personal credit model,through the analysis of personal credit model typology division and the experience of external personal credit model,combined with the current situation of our own creditmodel and legislative dilemma,explore the path choice and relative development of personal credit model in China.The second and third chapters summarize the development course and legislative dilemma of China's credit model,analyze the current credit model and the legislative dilemma in the process of operation.The fourth chapter puts forward the path choice of the development of our country's personal credit model,and puts forward the assumption of the future development direction of our country's credit model,that is,to strengthen the beneficial supplement of private credit agencies while implementing the leading role of the public credit system,and to gradually transition to the mixed mode of public and private.In order to accelerate the sustainable development of our personal credit market and make our credit system more perfect,the corresponding legislative improvement suggestions are put forward according to the legislative dilemma,including credit data,privacy protection and credit information supervision.