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A Study on the Personal Credit Reporting System in China

Author: WangYongFei
Tutor: MoTong
School: Shanghai Jiaotong University
Course: Public Administration
Keywords: Credit Credit Information Personal Credit System
CLC: F832.3
Type: Master's thesis
Year: 2010
Downloads: 385
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Abstract

Credit relations is one of the most basic in the modern market economy, the relationship between the healthy operation of the economic system of the mature markets are the basis of a sound social credit system. Personal credit is the starting point for a variety of other credit, at the core of the social credit system. The personal credit system is mature important component of a country's social credit system, plays a fundamental role in the stable operation of the market economy. China's personal credit information development is lagging behind, has not yet formed a stable, clear system, has seriously affected the healthy development of China's socialist market economy. Determine a set of personal credit information system suitable for China's national conditions, and comprehensively promote the construction of social credit, has become an inevitable requirement of the development of China's socialist market economy. Due to differences in the political system, economic base and cultural traditions, the countries personal credit system management morphological differences, forming three distinct market-oriented credit information, public credit, industry associations, credit information and other personal credit information system. Starting from the basic concepts of credit and personal credit system, through the four main aspects of the organizational model for personal credit at home and abroad, the legislative building, the regulatory mechanism, Privacy comparison and research, combined with national conditions put forward to improve our personal levy The letter system package countermeasures proposed, to provide a reference for the construction of China's personal credit system and the future development direction selection. The full text of the main contents are as follows: First, on the basis of previous studies, the detailed definition of the meaning of credit, personal credit, credit and personal credit, and the relationship between the personal credit information and personal credit, which clarify generalized to the specific personal credit on the basis of the concept of the scope of this study is given in the Government in formulating public policy and institutional. On this basis, the from multiple angles overcome the credit crisis in the market in the process of economic development, reduce transaction costs and improve economic efficiency, the development of consumer credit, stimulating domestic demand and improve the international competitiveness of the economic and social, discusses our establishment and improvement of personal levy the importance and necessity of the letter system. Start from to find out the history and development of the status quo of China's personal credit, summarized and analyzed in the context of our specific historical, economic, cultural, personal credit information system in organizations, legislative developments, industry regulators and privacy there major problem. Comprehensive pilot earlier case of Zhejiang Province, and China's personal credit be corroborated from the practical level. Third, France, the United States and Japan, the three countries a typical study, four levels of organizational mode, the legislative building, the regulatory mechanisms and privacy protection, organized in a systematic analysis of personal credit outside public, market and industry associations, etc. mainstream model of three personal credit information system management, especially the background and the advantages and disadvantages of the three systems were compared to provide reference for China's personal credit system. Closely before four focus on the personal credit information system, refer to the background formed by the foreign personal credit system, combined with national conditions and proposals for China's personal credit system: the development of public credit and market credit information mixed credit information organization mode, not copy any of the existing foreign organizational model; special law for personal credit legislation, amendments to existing laws and regulations does not match the content; establishment of the personal credit information to the People's Bank of China as the main regulatory bodies, the establishment of regulatory agencies, solely on the personal credit information protection functions appropriate to play the role of industry self-regulation, and stressed the \content, procedures, use of the behavior, to protect be credit reporting person's right to know and the right to relief; role of morality demonstration of the government in the personal credit system, regulatory coordination, legislation led social education.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks
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