The Study Of China Personal Credit System Problems

Personal credit system is the product of mature market economy, with appeared one hundred years ago. The establishment of personal credit system in China lacks basis, unified planning and comprehensive evaluation system. The lack of personal credit system of our country has already hindered the development of consumption credit heavily, hampered the development of national economy as well.Good personal credit system is an effective guarantee of establishing the economic orders of socialistic market and taking precautions against financial risks. A complete personal credit system can greatly push the development of consumption credit. Enlarging internal demand and encouraging consumption are important measures to keep our country's national economy growing. It is right time to establish the personal credit system in order to stimulate the development of the consumption market.This article, by theoretical analysis and comparison between internal and external practice, deeply describes the personal credit system of American. Through researching the personal car consumption credit of China Bank Merchants of Canton, we want to find the problems of our personal credit system and the distance of external developed countries.Through learning from foreign advanced experience, based on our country's reality, the article will give measures and suggestions about establishing China's personal credit system from the seven aspects, including the credit culture, the evaluation index system, the credit management agent of nation, the commercial credit evaluation institution (including the credit rating records), the system avoiding risks of personal credit, the personal credit legal construction.