Construction Of Individual Credit System: Study Of Mechanism And Policy

Market economy is a kind of legal economy, also credit economy. But we don't have sound credit law policy, and haven't established real socialism market credit system. This condition leads to credit crisis.This dissertation explores the economics meaning of the concepts between individual credit and individual credit system, using a sect of western economics philosophy as a source of reference; and from the angel of systematical analysis, it explains the relationship between credit, credit system and economic development through applying gambling and chess model; also from the angel of actual evidence analysis, this dissertation puts forward the exsiting problems of individual credit system and the successful examples of individual credit system from the aspect of foreign individual credit system, at last,it puts forward the study of individual credit system construction.The study considers: modern marketing economics is credit economics, individual credit system is the foundation of marketing economics, also is an important step and one of the basic marks of marketing economics making for perfect. So constructing an effective credit system is a momentous meaning for conducting and developing economics;individual credit system includes individual credit inquiry and assessment system,individual credit supervisal system, individual credit publishment system, and etc. But the construction and consummating of individual credit inquiry and assessment system is a key point of construction of individual credit; individual credit supervisal system and individual credit publishment system are stabilization of credit order, also are necessary for healthy development of the whole marketing economics.The construction of three leading individual credit system in western country is consist of credit investigating system, credit assessment system and breach punishment system. Individual credit system is standardized and guaranteed by means of law.Individual credit system has gained some development in recent years, but it is far from the aim of systematization and standardization, with operation of individual credit agency that is not normal, and incompleteness of individual credit inquiry system; the study method of individual credit assessment system is unsystematic lacking standards and perfect law guaranteeing system. Construct individual credit counterrneasures and methods: i.e.constructing perfect individual credit law supporting system, perfect individual inquiry credit system and scientific appraisal system, finally form individual credit system that is based on individual inquiry credit, supported by scientific appraisal, guaranteed by law.