Research On Credit System Construction Under Harmonious Social Angle Of View

Communist Party of China 4th Plenary Session of the sixteen Central Committee brings forward the target of structuring harmonious society of socialism and pointes out that honest credit is one of essential features of harmonious society of socialism. Credit system construction is the important basis of structuring harmonious society of socialism , is the inherent request of structuring harmonious society. In socialist market economy construction process, credit system falls behind, economy break faith status and the congenial phenomenon are comparatively grave. This blocks the course becoming market-oriented seriously.Our country has had a few fundamental marketplace main bodies credit system at present, but marketplace main body credit system has been not enough to improve and perfect. Break faith behavior is very common. As for ethics angle, credit is a Chinese tradition code of ethics , is the most fundamental harmonious society code of ethics. Credit is playing important code of ethics role in the field of harmonious human relations of construction, upkeeping socialism market order and establishing a socialist political civilization. On the legal sense, credit is that the civil main body depends on trusting and valuation gaining socially because of having the ability paying back debt. Credit is personality benefit and property benefit synthesis. The civil main body has credit right and credit duty. In macroscopic view tier surface, the law ensures credit system and credit is the law complement. The main body of a book use overseas market main body credit system for reference, sum up the condition that our country marketplace main body credit builds and bring forward the countermeasure realizing our country marketplace main body credit system. First, in personal credit system construction aspect, it needs to accelerate personal credit legislation, ensure personal right of privacy and right to be informed , work out laws and statutes consuming credit as soon as possible and improve an individual bankrupt legal system. Secondly, in enterprise credit system construction aspect, it needs to build enterprise collecting message legal system, perfect enterprise inside credit management system, improve medium-sized and small enterprises credit going bail for system. Once again, in bank credit system construction aspect, it needs to improve bank behavior law , perfect bank credit regulatory system , build market exit mechanism, oversee mechanism in the inside of perfect bank and perfect credit risks administrative organization organization. Finally, in the government credit construction aspect, it needs to accelerate government credit legislation, build open mechanism of administration and perfect government authority superintends mechanism and the government achievement effect appraising mechanism.