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The Research on Construction and Development Counterplan of China’s Personal Credit System

Author: SongXiaoRui
Tutor: KongXiangYi
School: Shanxi University of Finance
Course: Finance
Keywords: Credit Information Personal credit Credit Reporting System Credit System
CLC: F279.2
Type: Master's thesis
Year: 2009
Downloads: 140
Quote: 0
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Abstract


The credit is a tie to maintain normal social and economic relations. Increasingly important in the modern market economy, with the height of the development of commodity production and exchange activities, the role of the credit, it can be said that the social credit is to maintain a normal relationship of the socio-economic ties. Market economy is an economy of credit, and personal credit is the foundation of the whole social credit: under the conditions of market economy, the people become the main economic activity, personal credit situation to a large extent determine the socio-economic health; while in the entire credit system, personal credit is the foundation of the economy, which determines the flexibility and expansion of the entire credit system, a necessary condition for economic virtuous cycle of self-development. China's lack of credit, however, is severely hinder market progress and economic development. In recent years, China has begun to attach importance Credit construction, building credit information system has become an urgent requirement of China's development of an economy based on credit, the establishment of a credit system in China. Relative to a mature foreign personal credit system, China's personal credit information industry is still in its infancy. In January 2006, the People's Bank of China set up a unified national personal credit information database networked run, marking China's personal credit system construction is already underway, but in the practice of the personal credit system is still facing many problems: The personal credit system is not perfect, the information limited coverage, credit assessment system has not been established. Therefore, Experiences from Abroad, combined with the reality of our country, to explore how to build a personal credit system with Chinese characteristics has become the cause of the development of credit information, maintain personal credit market imperative. Asymmetric information theory, transaction cost theory based on in-depth analysis of the various components of the personal credit information system inadequacies, and learn from international experience, combined with China's national conditions and issues put forward constructive ideas exist for each factor and recommendations to build up a personal credit system. I hope that the result of this research makes a useful contribution to the development of China's personal credit institutions and norms to guide the current practice of personal credit system, perfect personal credit system and the whole social credit system, to promote social investment The development of various economic activities, financing, trading and consumption to provide some of the theoretical and practical basis.

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CLC: > Economic > Economic planning and management > Enterprise economy > Companies around the world economy > China
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