The Research On Credit Legal Issues

The country is going to upgrade during the transition to market economy, the social credit system is still in its infancy, there are still many imperfections. Therefore, the market still more acts of dishonesty, hindered further economic development credit. Credit is accompanied by the emergence of credit generated, along with the development of credit economy development. At present, the modern credit industry has been nearly 20 years of development, but the lack of relevant laws and regulations of the norms, the credit reporting industry has just been established there are lots of violations. This not only hinders the construction of social credit system, not conducive to the financial system of risk prevention. But also violated the interests of all the main credit. Therefore, speeding up China's credit information and legal system for the promotion of social credit system is of great significance.In this paper, a comparative analysis and draw on research methods, to compare the legal system of foreign credit reference. I find the foreign credit by the State law relating to credit information, analysis of the object and purpose of the legislation of foreign credit and core content, foreign credit model, protection of the rights of data subjects relevant provisions, from China's specific national conditions, set practice of our legal system and credit problems, credit and legal system in China lags behind that is impeding the development of credit industry, a major obstacle. And then make the legal system in China Credit Information in the credit collection, credit institutions operate, the information rights protection and other aspects of the main concrete ideas.Articles divided into four parts. The first part is the basis of the full text, by analyzing the credit of the basic theories of credit concept, nature, type and function have been described, and the basis of a clear concept of the legal system of the credit, a credit analysis of the legal system formed several relationships, which proves the need for credit and legal system. The second part describes the practice of the legal system of foreign credit, has presented the United States, Europe and Japan, the legal system and characteristics of credit and credit law from the four aspects of the focus of the legal system on foreign credit was compared reference analysis. The third section describes the practice of China's legal system and credit problems, credit from China Development Brief history of starting, central and local levels through the introduction of our credit situation of legal practice, and proceeding from national conditions hinder China's legal construction of the main obstacles to credit and thus raise the current legal system in China Credit Problems. The fourth part is the end of the article, from the basic principles of determining the beginning of China Credit Information legislation, in considering the existing legal norms and economic policy conditions, the proposal of building a legal system of China's three credit starting point, and further from the five aspects of put forward a sound legal system in China Credit Information specific ideas.