The Studies On The Legal Issues Of Our Country's Enterprises Credit Collection

Enterprises credit collection system is that professional credit management or service organizations collect enterprises business information such as credit information, management and fiancéinformation and systematically investigate and evaluate this information and provide this credit information to the public under some principle. In brief, it is the survey of the enterprises credit information. Enterprises credit collection system is a significant part of social credit system. Enterprises credit collection differs with the individual credit collection. Enterprises credit information is the object of the Enterprises credit collection activity, mainly on dealing with the enterprises credit information. Enterprises credit information is the core of the enterprises credit collection activity. Up to now, our country has not enacted nationwide laws on enterprises credit collection.Our country's enterprises credit collection system consists of three important parts: the establishment of credit collecting code, the management of credit information and the supervision to the credit collection business. We should establish united credit collection mode, which characterizes the co-existence of public and private credit collecting institutions, the government startup and the market operation. Under the market code, government is only a referee but not an actor to participate the credit collection business. It should allow the co-existence of the national unified institution and the regional institutions and set down law and rules to define the range, mode and duty of the opening of the enterprises credit information and harmonize the relation between the opening of the enterprises information and business secret protection. The law on credit collection should form a organic aggregate to protect business secret with other laws, which purpose is to strictly regulate the admittance and exit of credit collection agencies and endue the enterprises whose credit information is collected with the right to know, to argue and to modify. We should select the mode in which the government should be mainly responsible for the administration supervision and the enterprises self-restraint should partly contribute the supervision. The mode emphasizes the independence of the supervision organization and its authority should be definitely confirmed. We should establish the mechanism, which can restrict the government supervision organization and punish the discreditable enterprises. Through the above-mentioned measures, we can build an effective supervision system and promote the healthy development of the enterprises credit collection industry.