The Model And Structure Of Regional Consumer Credit System Construction

Socialist market economy must be underlain by the developed credit, establishing the social credit system is the powerful safeguard of the market economy development. The social credit system is mainly constructed by three relatively independent and affected mutually sub-systems, including the government credit system, the enterprise credit system and individual credit system. For extremely arriving to individuals is an important characteristic of developed credit, establishing individual credit system is an important part of the establishment of the whole social credit system. According to the Third Plenum of the 16th CPC Central Committee, Jilin Provincial Party Committee and Jilin Provincial Government take the social credit system construction of Jilin Province as an important measure to improve the investment environment, expand opening up to foreign countries, comprehensively revitalize Jilin old industrial base. In May, 2005, Jilin Province Government has officially listed Jilin Province social credit system construction in the special plan of the 11th Five-year-plan. This article takes Changchun for an example, discussing on the issue of individual credit system construction of the social credit system. As Changchun is the capital of Jilin Province, the establishment of individual credit system in Changchun is to build a solid foundation for the establishment of social credit system, simultaneously can promoter the establishment and development of individual credit system of other cities of Jilin Province.Firstly through the literature review of the classification and connotation of individual credit, this article summarizes that during the construction of individual credit system we should take credit as a kind of commodity, a kind of an action of time difference between the use of commodity (or service) and payment. So the establishment of individual credit system must be able to restrain the risk which this kind of time difference brings. This is premise and safeguard of the normal operation of individual credit system. The article reviews the research status of individual credit system model in our country. The social credit system of our country has not yet been established in the whole society. Individual information dispersed in the social related departments, the Integration is low, the legal laws and regulations are imperfect. So the establishment of individual credit system should be guided and administratively supported by the government to mandatory collect information from the related departments to assist the work of the agency of credit information collection.This article has conducted the research on the overseas individual credit system model as well as the system arrangement by using the comparative analysis method. Simultaneously, it also makes comparisons and analysis between cities of which individual credit system is more advanced in China. Using the experience of these countries and cities for reference and linking today's development of individual credit system in China and the Credit status in Changchun, the article explore the issues of the choice of individual credit model and the establishment of individual credit system in Changchun. This article aims at solving two main problems: choosing the individual credit model in Changchun; studying the structure of individual credit system in Changchun and the establishment of supervisory mechanism of individual credit system.Through analyzing the credit status of Jilin Province and Changchun city, this article suggests that the system establishment should still be carried on primarily by the government strength duiring the initial period, take good use of the government's administrative function. Changchun Government sets up Changchun Citizen Information Administrative Bureau as the agency of credit information collection which is responsible for the construction of the foundation database and the data exchange and sharing. Take the population database of the police station as the source and foundation of the credit information collection, integrate the information resource of finance, industry and commerce, tax affairs, judicature, social security, communication correspondence, social public utilities departments and so on to establish individual information database.Take the Changchun Police station public security population information as the foundation, integrate the information resource of finance, industry and commerce, tax affairs, judicature, social security, communication correspondence, social public utilities departments and so on, and establishes the population foundation database. Process the collected information to produce each kind of demanding credit reports through individual credit information evaluation system. Regulate the authority and steps of the inquiry and the use of credit information, and build individual credit information platform.Establish supervisory mechanism of individual credit system. Changchun City should establish credit-losing penalty and credit-keeping mechanism, objection-information-handling and credit-losing-report mechanism, strictly supervise and manage the work of the related credit-collecting departments as well as the database network security; perfect the law environment of construction of individual credit system.In our country, establishing the perfect credit system is an effective way to solve the problem of uncoordinated development between the social credit system and the credit market. The construction of individual credit system is the foundation of social credit system construction. The results have an important significance to the Changchun individual credit system construction. The author hopes that the establishment of individual credit system can gradually improve the credit status of Changchun, raise the credit level and create good credit environment to promote the development of economy. At the same time, the results also have an important significance to the constructions of individual credit system in other cities.