Study On Construction Of Personal Credit Consumption System In China

The goal of the economic system reform of our country is to set up the socialist market economy with Chinese characteristics. Market economy is the economic system that market is the main way of resource distribution, its essence is a kind of contract economy, and credit is its foundation. So, it becomes an important link in the economic system reform of our country that setting up a social environment of stressing credit in our country. The credit environment in the range of the whole society includes the contents of three respects: Public Credit, or call it the Government Credit, Business Credit and Personal Credit. Personal credit consumption is one of the concrete expression forms of personal credit, its development will promote the development of Personal Credit further, and will be favorable to the building-up work of the credit environment of the whole society too. At the same time, the consumer market of our country transformed seller's market from buyer's market from the second half of 1996, the economy of our country has been facing the problem that the effective demand is insufficient. This has influenced the development of national economy to a certain extent. Personal credit consumption can change future consumption into immediate consumption, this will improve the immediate consumption demand, and expand the immediate consumer market, and stimulate immediate economic development. Because of this characteristic of personal credit consumption, it will solve the problem that the consumer market of our country has insufficient valid demand to a certain extent that developing personal credit consumption, thus promote the further development of the economy of our country. This text launches research under this background. Personal credit consumption has a history of more than 100 years in the West, it also has a development curse of more than 20 yeas in our country. But the main form of personal credit consumption is still only limited to Personal Housing Loan and Personal Automobile Consumption Loan at present in our country, even if credit card, rely mainly on debiting to type credit card (the real credit card is a remembering type credit card of the loan). Personal credit consumption has not popularized and got extensive development yet in our country, there are many reasons, but a main one that our country has not set up a perfect personal credit consumption system yet at the present stage. This text launches research work under the background of fact that likes this.Through studying to personal credit consumption market of U.S.A., Europe, Japan, this text divides the personal credit consumption system into: service system, information management system, laws system and mechanism of punishing, and has narrated their one's own operation mechanism in detail, this is the place of innovation of this text, the details are as follows:Service system is the concrete form of expression of the personal credit consumption in daily life, it is the concrete credit tool that issued by the department of awarding credit (abbreviated awarding credit department as follows) in the consumer market, ordinary consumers can convenient their own daily life, or purpose to achieve family finance.Information management system includes the collection, arrangement and spreading of personal credit information, it is the most important component of the personal credit consumption system, Passing credit information management system, awarding credit department can just distinguish credit applicants, and award the credit of different amount. It is an asymmetry information game that the essence of the course of credit trade of awarding credit department and credit applicants, This kind of the asymmetry of personal information embodies that awarding credit department can not prompt accurate and intact personal credit information of the credit applicants in time, the personal credit information here has contained the credit applicant's Character,Capacity,Capital,Condition and Collateral. It will reduce the asymmetry o...