Research Into The Legal System Of Government Regulation On Credit Investigation

Credit investigation is the foundation of market economy, which is an effective way to consolidate credit system construction. With the deepening reform of China's economy and finance, social needs of the credit service is even more urgent. Promoting China's credit industry to develop healthily and normally has become priority of China's market economy. Healthy development of credit market needs strengthened legislative supervision of credit investigation. So it has important practical significance to study in the legal issues of credit investigation.How to create and improve the supervision of credit investigation models should be a urgent need to solve the fundamental problem. By the perspective of administrative law, my thesis mainly analysises the regulations about credit investigation in China, and gives some advices about how to build a sound legal system of credit investigation.In addition to the introduction and conclusion, the paper is divided into three chapters.At first, it is a brief introduction to the basic concepts and the role of credit introduction. Then the background, writing ideas, research methods, data sources are briefly described, too.The first chapter gives a general view of the development of domestic and foreign credit investigation history and current status. By comparing, we have know the necessity of regulating the credit investigation industry. It is the basis for analysising the credit investigation legal system construction.The second chapter compares the legislation on foreign credit investigation supervision system, summarized the the contents and main features of national credit investigation legal system. Then, by analysising the national and local legislative and regulatory status of credit investigation, and based on the comparison, it comes to the problems of credit investigation supervision legal system, including lack of law, regulatory body and terms of confusion, regulation and supervision of the content object location unclearly, inadequate protection of the main interests, imperfect regulatory approach.The third chapter, on the basis of the previous text, is to make recommendations for the above. And it puts forward the complete plan of the construction of credit investigation supervision legal system: first, a clear idea of the credit investigation supervision system; next, from the regulatory objectives and principles, legislation content regulatory system model, the regulatory target, regulatory content, forms of regulation and supervision methods, and other details of the regulatory aspects of legal framework to build credit investigation supervision legal system. Finally, there is a simple assessment about China's first credit management expertise and regulations - "Credit Management Regulations" (draft), and there are some suggestions.The conclusion gives a brief summary, and put forward my own expectations.