The Theoretical Basis Of China's Personal Credit Information System And Legislative Strategy

Since reform and opening up,our country social structure,economic structure has an important change,the original credit regulation method,has highlighted backward and obsolete; meanwhile,in the period of the social morals system,and are constantly experiencing new impact and challenges. The old was broken and the new not stand,faithless problems become China's current economic and social whole face one of the most serious problems. In order to build credit society,blow discreditable behavior,establishing personal credit system is imperative. Although credit reporting activities have already become the fact of the social economic life,it got support of economics,management,sociology,and other theoretical,however,the development of Credit industry is not smooth,from the date of its produce,credit has constantly faced various challenges and questioned. In order to make our social credit system construction preparedly and smoothly go into future,we must do tough investigation and analysis.This paper mainly divided into three chapters. The first chapter is about personal credit information and its basic contents,mainly expounding the concept of personal credit information,introduceing the basic content of personal credit information and the importance of establishing personal credit registry system. From ancient credit system on the sprouting tooth,the second chapter mainly introduces the development history of ancient and modern personal credit registry system,and expounds currently existing problems of personal credit system.The third chapter from legal and social sciences aspects,analyze the establishment of personal credit system of legal theory,mainly from three aspects,namely,the Legal Economics perspective,the Judicial Sociology perspective and the constitutional perspective, demonstrates the necessity of establishing personal credit registry system. Through proposing four-point guidelines,the fourth chapter discusses establishing and perfecting our country's personal credit system of countermeasures. Perfecting personal credit system,in order to eliminate people′s doubts of personal credit registry,promote the free flow of information and information sharing,realize the effective supervision on credit market,prompting market subjects to focus on their own credit,avoid discreditable behavior.