The Frame Of Regional Business Credit Information Share System

Since the implementation of reform and opening up in 1978, China has initially established a framework of the socialist market economic system. The market mechanism plays an increasingly important role in allocating social resources. However, because of the legal or mechanism system's shortness, the severe problems are still not resolved, which severely impact the operation of economic and jeopardize the socialist market economic system. Such as the lack of business credit, it is an outstanding issue which need quickly resolve during China's economic development. Therefore, the establishment of the social credit system is pressing, which conforms to China's national conditions and international practices and adapts to the development of the modern market economy. But at the same time, we should also realize that it is a very large and complex project to establish a social credit system in China. So it is realistic and feasible to establish a regional credit system from the provinces aspect.Currently in the study of business credit, the credit for anti-economic phenomenon is more exposed and criticized. But considering the system of China's specific conditions and background, feasible options are limited. As for the research area, most of the papers discuss financial credit, personal credit or government credit. It is rare from the perspective of the market order, credit behavior, credit relationship and credit rules. In research results, numerous books and articles focus on a particular aspect, which lack of the research of enterprise credit system. This paper relates business credit management with information systems theory, draws reference to the domestic and foreign enterprises in the various models of the credit system in light of the specific circumstances of Jilin province, explores the latest research results at home and abroad as much as possible, and constructs the business credit information sharing platform which will apply reference for government departments to make decisions.The first part of the paper is introduction, which introduces the background and significance of this paper. Based on the analysis of the environment, it is posed that the establishment of a credit system is not only the demands of the external environment but also the requirement for its own development.The second part is the literature review. First it elaborated on the contents of business credit and summed up the constituent elements of the theory of business credit, including 5C factor theory, 4F factor theory and theory of business credit formula; then it elaborated on the theory of business credit, including the corporate credit concept, content and credit institutions; Finally, it aggregates the formation of the 100-year history of foreign credit model - European,American and Japanese model and analysis European models and American model and their respective advantages and disadvantages. The research also has identified a number of enterprises within the scope of the first cities to establish a credit system and analysis their credit model.The third component is research method of this study. It uses design and the scale of the current survey results of the Chinese Entrepreneurs Survey System and business credit Investigation Team of Jilin Province to pose the main reason for business credit problems and solutions. Analysis found that there are three main reasons: the low level of economic development, the weak credit moral foundation and rampant local protectionism. Through contrast analysis and case study analysis it researches China's specific conditions and make a conclusion that at present, China is unlikely in the short term to use the "American model" of the credit system. And initially only a government-led model of the Enterprise Credit could be applied. Then through the survey results of the key research topics "Jilin Construction of a social credit system", which is conducted by the Propaganda Department of the CPC Jilin Provincial Committee in 2003, we conclude that there are some province's existing enterprise credit problems. And if we wants to establish a complete enterprise credit system in Jilin province, we should focus on solving two problems: First, the province should establish a unified standard and the guide and coordinate supervision; Second, we should build a unified credit information database, effectively open the credit information to the public, and establish a mechanism to punish side.Part IV is the results and discuss of this paper. It is the specific research and design of Jilin business credit information sharing platform for the framework: First under the leadership of Changchun center bank, Shenyang Branch of the People's Bank of China branch, we should set up a team to coordinate the building of business credit information. Its functions will consist of two departments - joint credit information leading group in Jilin Province and Jilin Province credit information management center. Jilin enterprise credit and Industry Bureau of Jilin Province led the leading group, which is mainly responsible for building business credit information databases with the bank, Credit industry associations and the private sector; Jilin credit information management center will be responsible for technical support, to build business credit information management system, to connect with the enterprise credit information databases, and to make credit evaluation; Jilin credit information network, as a publishing and consulting platform, directly opens to the society.This last part of the paper briefly describes the safeguards of the evolution of that system, such as increasing the local government's support, establishing penalties on dishonesty, information disclosure system and mechanism, and vigorously developing industries of credit management.