The Research On Effective Credit Checking Pattern And Policies In Credit Market Of China

The healthy development of credit reporting industry will not only help the construction of social credit system, it is necessary to improve the conditions of market economy.At present, China's credit system has made some achievements, but has not established a complete and effective credit control system to regulate the operation of credit reporting industry. Therefore, in-depth study of effective supervision model of credit and policies-institutional arrangements to promote the development of credit reporting industry has important practical significance.Through its supervision on the theoretical study of credit that the credit control in the settlement of negative externalities, information asymmetry, the nature of public goods and the adverse consequences of competition has an important role, the main body to help protect credit informationlegitimate rights and interests, to ensure equitable access to credit subject to credit, to safeguard national security and stability of the financial system and to promote the healthy development of credit reporting industry.Through Europe and the United States and Taiwan, China and the regulatory status of credit industry analysis, summarized the developed countries and regions to effectively monitor the credit experience that one can not do without a sound and effective credit control legal system, two inseparable from the right Credit monitoring mode of the three industry self-regulatory mechanism should be effective cooperation, and effective regulatory system for our building a lot of inspiration.By analizing the status of credit industry, the paper that China's current regulatory system are still many problems: the legal system is not perfect, the lack of credit regulatory basis; regulatory body fragmentation, the lack of a unified basis for regulation; control objects are not clearly defined, it is difficult Implementation of a comprehensive market regulation; the People's Bank supervision and management of credit questioned the credibility of the industry; industry self-regulation mechanism has not yet formed, it is difficult to achieve standardized market regulation.Regulation of credit reporting industry for the problems, the article on the construction of effective credit monitoring system made in-depth study. First, the Government proposed to determine the status of the regulatory body of the choice of a clear regulatory and industry constraints object the establishment of mechanisms for building these four guiding principles of effective supervision system; and innovative way to introduce effective regulatory approach should be the rules of credit regulation and With the principle of reasonable supervision of the mode of functional regulation model of regulation and international cooperation; in the effective monitoring of policies and systems should be improved, including proposed legal system, organizational system, the qualifications regulators, internal control systems and industry self-regulatory mechanism , Discipline and coordination mechanisms, social supervision mechanism for the five policy system; Finally, building an effective regulatory system for credit policy recommendations: First, China's legal system to accelerate the construction and improvement; the second is to vigorously promote various means of effective supervision Coordination; third is to establish sound and effective mechanism penalizing bad...