The Research On Personal Credit Information Sharing Mechanism Based On Credit Information Platform

Currently, personal credit system has developed in some degree, personal credit information sharing mechanism has established in some fields and districts. The People's bank of China has established canonical personal basic credit information database in a nation.The People's bank of China and Ministry of Industry and Information Technology of the People's Republic of China has put forward guidelines to Commercial Bank and telecom enterprise, proved Personal credit information sharing and integration in every department. Some districts have established regional personal credit information sharing mechanism based on personal basic credit information database.But personal credit information sharing mechanism has many problems and the area of personal credit information sharing is narrow. Unregulated credit information sharing mechanism contributes to credit deficiency phenomenon. Credit deficiency will affect consumer demand and society stability; block the development of market economy modernization. So we must refer foreign experience, and combine the situation of our country, construct regulated credit information sharing mechanism..The dissertation utilizes both quality and quantity analyses, theory research and case analysis. Through researching, and construct the model of credit information sharing mechanism based on credit information platform. First, studies the related theory of personal credit information sharing mechanism, American private credit information platform and European credit information platform. Through comparing, find out the differences and each advantage. It is the theory and model foundation of the dissertation; Second, analyses the states of credit deficiency and personal credit information sharing, and point out the main problem of credit information sharing; Third, refers foreign experience, construct the model of credit information sharing mechanism based on credit information platform.