Study On The Personal Credit Archive Management Legal System

With the development of China's socialist market economy, personal credit problem become more serious day by day. It has seriously affected the development of the market economy and social harmony. Creating the personal credit archive can resolute the information asymmetries, reduce the transaction risk, promote the market economy, and establish an honest society at last. Faith community has urged the development of personal credit archive management, while the development of personal credit archive is urgently calling for the legal system of personal credit archive management.This paper analyzes the personal credit archive and related concepts, discuses the legal relationships among the management of personal credit archive. It analyzes the cases of the China's personal credit archive management, combines with the investigation, and describes the legal barriers in China's current personal credit archive management. Finally it adopts the experiences of the personal credit archive management legal system in the United States,Europe,Japan, dominates the "Credit Management Regulations" draft, proposes the recommendations of building the personal credit archive management legal system in China. The recommendations are:to protect or regulate the subjects of legal relations in personal credit archive management; to standardize personal credit archive information activity; to emphasis the different purposes of government regulation,social regulation,industry self-regulation.