The Discussions Of Several Problems About Constructing Legal System Of Credit Checking In China

Our country pay a great attention to morality and credit, but in market economy highly developed today, the credit crisis extremely is actually prominent. The establishment of credit reporting systems to solve the problem of information asymmetrical, reduced the transaction risk, promotes the development of the market economy, finally establishes the good faith society have the vital significance.As an emerging profession, credit checking only has several year development histories in our country, we are facing lots of difficulties. So the present situation is unoptimistic, its whole development falls behind the developed countries, like European countries and U.S.A .The bottleneck of credit information, subjects of market lacking enthusiasm for our country's credit checking, and the lack of the legal system of credit checking has restricted the development of the credit checking seriously. In our country, the lack of the legal system of credit checking is the biggest obstacle that the development of credit checking is facing.The mode of the credit checking is one of the main contents of the legal system of credit checking. U.S.A, Europe, Japan have the quite perfect system of credit reporting, these countries are called "credit checking country". In these countries, because differences of the development of the economy level, the social environment and the cultural, the credit checking divided into three kinds of typical mode. Credit checking in U.S.A totally adopts marked-based mode; In Germany and France, credit checking adopts registers mode mainly; Credit checking of Japan implements the reference mode of the member system. Through comparison three kinds of mode, unifies the experiment of Shanghai and Shenzhen, proved our country's credit reporting systems should adopt the government starts, marketability operation mode. Namely, the government' responsible is to build the foundation data platform, credit agency through use the foundation data form the platform and the data that form their own established database, serves in various economic subject, participates in the market competition positively. Next considered the differences of our country area economy's development, the population mobile restrictive and bank service localization, in the short-term establish the national unifies credit agency is not realistic, therefore should establish the mode that the national unification credit agency and the local credit agency coexists. Only, the beginning of the credit agency establishment in the area, in order to avoid the resources the waste, design the unification code, the unification the standard of credit checking is...