Research On Establishment Of Chinese Individual Credit Checking System Under The Circumstances Of Market Economy

It is main characteristic of the market economy to put the economic relationship on the contract. The contract relations in the market economy present the rights and the obligations of all parties. It is the basic rule keeping the economy running normally to implement the contracts strictly. The mature system of legal and credit are the guarantee for the justice and solemnity of the contract. The more market economy develops, the more important the function of the credit operates. It is inevitable to establish the individual credit checking system with the development of market economy of our country.Beginning with the origin of individual credit, the establishment of Chinesecredit checking system is analyzed. From the view of lowering the risk of operating for the enterprise, foreign individual credit checking systems are compared on the basis of the theories on individual credit checking. The actuality of Chinese credit checking system is analyzed and the problems are pointed out. Combined with the practice of Chinese credit checking system, the evaluation index system and the model of credit checking system are established on the basis of the present productions in this field. The demonstration is discussed and the conclusions are tested from the point of the theory as well as the practice. So the results are more instructive. The countermeasures on the establishment of Chinese individual credit checking system from both the macroscopical and microcosmic views are put forward. The scientific methods and thinking for the establishment of credit checking system are offered.