The Research Of China's Law Regulation On Credit Agency

The Market Economy is a economic system which use the market to dispose resources as the foundation way and the main method. Under market economy condition, day by day expand and the complication market relations gradually constructs each other is connected and mutually restricts. The credit relations proliferates the economic life each domain, the entire economic activity is joined by the credit relations. The credit relations took one independent economical relations obtains the full development, and maintains the intriguing society to exchange the relations, supports and facilitates the standard the market order.To perfect our country socialist market economy system, the reorganization and the standard market economy order had all decided speeds up establishes our country society credit system is important. Credit agency is a kind of intermediate service agency which appears recently in our country. Credit agency to reduce the economic activity transaction both sides information symmetry, not to avoid the risk which the economic work possibly meets, reduces the cost and so on all to have the vital role.But our country until now still did not have nation wide about credit agency legal laws and regulations, our country credit agency service activity not direct law or the laws and regulations takes the basis.The first part of the thesis made a macroscopic introduction to the full text research background and the significance, the content and the method which the domestic and foreign research tendency and this article studied method.The second part of the thesis defines credit agency as enterprise legal person who engages in credit activity on the basis of the introduction of the conception of credit and credit agency and its classification and function. The aim of legal regulation is to guide and force credit agency to achieve the value tropism of economic law, such as order, efficiency and justice. All of this introduction provides theoretic precondition to our country's law regulation on credit agency. The third part of the thesis introduced the legal rules and regulations present situation of credit agency in our country. First uses the fact to explain in the current our country economical domain the credit crisis brings the influence which harm our country in to credit agency have some questions. In performed in the foundation to it which analyzed to prove to has credit agency in our country to carry on the legal rules and regulations the necessity and the urgency.Credit agency industry has a history of 170 years in foreign countries and forms perfect credit system and law system. Credit agency adopts market-based management, competes sufficiently and freely, or complements mutually with Pubic Credit Registry (PCR) system and form perfect credit service system together. The forth part of the thesis investigates the law regulation on credit agency in foreign countries and gets beneficial suggestion to our country's law regulation on credit agency, which provides reference to our country's law regulation on credit agency.The fifth part of the thesis proposed some tentative plans consummates our country to credit agency of law rules and regulations. First must be clear about our country to credit agency legal localization, thus determined drafts principle which the credit agency law rules and regulations should follow. Next, must be clear about the government to draft in the credit agency law rules and regulations in our country the function, meanwhile must take the enterprise business secret the legal protection, strengthens to individual right of privacy legal protection, strengthens credit agency to our country the surveillance management, strengthens credit agency the profession autonomy.