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The financial industry is the credit industry, lack of credit to support the financial sector must face a huge risk, which is the international financial crisis in 2007, the most important warning to us. Not before the outbreak of the risk, the credit bureaus seem insignificant, but the financial crisis, can say with certainty that certain credit information system was a problem from this point that the healthy development of the financial system can not be separated from a system, a comprehensive and effective credit information system. To be reasonable, build credit information system in line with China's national conditions, this paper argues, based on foreign credit bureaus three development model, combined with the actual situation of China's credit system and national conditions, this paper considers the construction of China's credit system The goal should be: data acquisition (trustworthy record of dishonesty), industry regulation and to deal with objections to government-led, the provision of credit information products led to the social credit intermediaries, the data provided to commercial banks, non-bank authorities main channel, social intermediary data auxiliary channels; credit information product innovation to market demand. This mode is selected, this article is based on the following considerations: First, China's population, many enterprises, the private sector is responsible for data collection difficult to coordinate; data is the basis of credit information, data problems, the credit reporting system on the lack of premise of the application, in particular, the credit information system has the role of penalizing bad, can not appear to change the phenomenon of fraud, if the government-led data, with high credibility; Third, is the main provider of credit information data, commercial banks, credit the main users of the product is a commercial bank, commercial banks should become the main channel of credit information data; Fourth, the credit reporting industry to provide credit protection for credit transactions, provide credit information products and related services real need for third-party neutral objective participate, calling on the Government to play a regulatory role, to avoid the credit reporting agency rating agencies in the absence of the drawbacks in the regulatory case. Compared to Western countries, more than 100 years of credit information system development, since the 1980s began to develop the credit system in China today is still a lot of problems and deficiencies, the credit system to achieve the target needs to be done a lot of work, for the end of this article from the mode of development, legislation, industry development mechanism penalizing bad construction are brought out specific recommendations. Hope that through the efforts of the four, can further promote and improve the development of China's credit system, provide credit protection for China's economic and social development.
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