Research On Building Individual Credit Rating System Of Shao Guan In Terms Of Financial Ecological

Individual credit rating system is a full set of rules policies and law to manage supervise and ensure Individual credit activity in economics,the main purpose of it is to offer reasons for financial institutions to evaluate individual credit standing.,it's also used to standardize individual credit activitymportant, raise the consciousness of trustworthiness and ensure sound development of market economy.Credit is an important attribute of market economy, the phenomenon of being short of credit is widely presence which has been raising the ransaction cost of credit activity and retarding the efficient operation of market mechanism. Establishing and improving a social credit system is a necessary condition to build modern market system and a basic of regulating the order of the market economy.The paper mainly analyzed the relevance between financial ecological improvement and individual credit rating system in terms of ecological inprovements.Based on the modern credit theorysome, depth discussed the development of individual credit rating system in China from views of"Transaction cost theory"and"Information Economics theory".This paper made analyses of the need for building individual credit rating system in terms of theory, illustrated the Principles of individual credit in terms of social capital and dealed with"adverse selection"and"moral hazard"caused by the loss of individual credit rating system in terms of"Game Theory". In order to promote the development of credit system in Shao Guan,Based on both the international experiences and the special conditions of Shao Guan, the paper expatiated on the principle of Credit Scoring and built a credit scoring model. This paper also give some related views as follows:The government should strongly support information sharing in credit market ; establishing the administrative department of credit system and strengthening construction of credit culturalit.