Research On Public Credit Information Disclosure In The United States

Credit has a rich connotation and is closely related to many aspects of life.When credit gradually enters the economic field,it is also endowed with economic connotation.In the market economy,credit is the basis of economic communication,and the construction of credit system is also the basis of promoting the healthy and stable development of market economy.Therefore,more and more countries pay attention to credit construction and begin to construct credit information system.In the construction process of credit information system,public credit information disclosure is one of the important links.The publicity of public credit information is helpful to standardize and maintain the order of market economy,improve the transparency of government affairs and raise the public consciousness of integrity.From a world perspective,the credit information system of the United States is relatively mature,which has a solid legal basis,clear information disclosure procedures and strict credit supervision mechanism.This paper takes the American public credit information disclosure system as the research object,and sorts out and analyzes the subject,content and channel of its credit information disclosure,so as to provide useful reference for the construction and improvement of China's credit information platform and the promotion of related theoretical research.This paper consists of four main parts.The first part summarizes the subjects of public credit information disclosure in the United States from the perspectives of enterprises and the government,and summarizes the enterprises Experian,Equifax,Trans Union,Dun&Bradstreet and relevant government departments that conduct credit information disclosure.Pointed out that the credit bureaus and open credit information mainly comes from the government,financial institutions,information processing,the investigative data and information sharing among different credit bureaus,credit enterprises are the main participants in the credit market and the market monopoly,the government in public credit information is lawmakers,regulators and disciplinary conclusion,And the relevant laws and regulations are discussed.The second part studies the content of public credit information disclosure in the United States,taking individuals,enterprises and the government as logical clues,further subdivides the contents of public credit information disclosure by the three subjects,summarizes the management mode of public credit information by each subject,and analyzes the characteristics of public credit information disclosure.The third part analyzes the channels of public credit information disclosure in the United States,which are mainly divided into traditional channels and electronic channels.Public credit information can be obtained through newspapers,government portals,credit investigation agency portals,social platforms and other ways.The fourth part summarizes the advantages and disadvantages of the public credit information disclosure system in the United States.Although the United States has established a commercial operation mode and a sound credit legal system,there are still problems such as malicious competition and uneven quality of credit investigation agencies.Therefore,China should learn from each other to construct a perfect credit information disclosure system,such as perfecting the construction of public credit information legal system,strengthening the construction of public credit information hardware environment,promoting the normative guidance of the government and speeding up the cultivation of credit market subjects.