Discussion On Improvement About Credit Investigation Legal System In China

The credit deletion becomes a serious reality hindrance of building a socialism market economy. Every year the credit deletion causes a large amount of visible social loss and invisible transaction opportunity forfeit. I thought deeply that the credit deletion has very deep relations with the unperfect legal system.If wanting to return to the credit society, we must develop our country's credit investigation industry, but in many situations, our country's credit invesdtigation is merely copies of a set of operation ways of foreign countres', and then the copies are used in our country. As the result of this, the situation"unaccustomed to the climate"emerges. Therefore, in the building socialism market economy, our country must regulate through legal way, the development of credit investigation, renovates chaotic credit investigation market, form a legal systerm of Chinese characteristic in credit investigation.First chapter is an overall outline to credit investigation industry. I made a general analysis to the characteristic of credit investigation industory, the function of credit investigation and the legal attribute of credit investigation system .In the Second chapter, I analyzes the developing course of credit investigation in our country, as well as the problems and restriction factors. I hold that the deficiency in legal system is the main factor.In the Third chapter, I made an analysis to our country existing deficiency, and proposed the constructive viewpoint. Does the pattern choice to our country credit investigation industry belong to the government pattern or the market pattern? How to construct the standardization of soliciting credit? In the message body information, we must make the choice in a dilemma to individual privacy and the business secret protection. It is more important how to balances between them. This system need legal effective supervising and managing. In the credit investigation system, we should mechanism on honest credit motivation and dishonesty punitive. Simultaneously, we must establish and consummate individual bankrupt law system.This article proposes the pattern choice of credit investigation in our country, Individual privacy protection, the supervising and managing way of standardized construction of credit investigation systerm, how to establishes and consummates our country's mechanism on honest credit motivation and dishonesty punishiment as well as the self-discipline mechanism of Credit investigation industry etc. In above fieldes, the author have his original viewpoints and the opinions.