The Research Of The Establishment Of Personal Credit System In China

In modern society, on one hand , credit is the reflection of a felling of trust. On the other hand, it is a behavior of lending or borrowing. It sets the base of economy all through the market. The developing trend of personal credit, which makes up the credit system consisting with government credit and corporate credit, directly effect the prosperity of the credit system. At present, although there is still stable upward in national economy, consuming demand causes the negative influence into growing economy. The strong power to push forward the economic growth is the consuming credit that at the same time is the serving goal of the personal credit system. Therefore, in order to improve the consuming demands, the establishment of personal credit system is the present key.At 1930s', American has start to construct personal credit system. By far, it has been the most perfect nation on personal credit system in the world. Advanced relevant institutions and personal credit investigating industry enlighten national direction of construction of personal credit system. On the basis of the experiences of American development, we should integrate the social situation, economic level and moral habit to establish the personal credit system characterized of china.The thesis includes five parts. First is the profile. Second and third parts show the importance and necessity of personal credit system to solve whether or not to construct. Fourth part provides American as the mirror of system construction to embody construction examples. By the end, fifth part gives comprehensive argument about the suggestions of how to construct the china personal credit system.Presently, the research of china personal credit system is shadow and sparsely. There still has not a theoretically and systematically sketch in studying. In this environment, analysis from micro and macro economy will have important effect in the long run.