Individual Credit System Establishment And Perfection Of China's Consumer Credit

In recent years, our country domestic consumption market demand insufficiency, the commodity sale impeded contradiction appear day by day. The decision-making strata and the economical theorists all obtained a consensus——effective demand insufficient already to become restrict the important attribute which the Chinese economy grew. From the overseas experience that, expends the demand is the driving force which the economy grows, but stimulates the expense demand the effective method is the consumer credit. Overseas prosperous day by day consumer credit, not only becomes its economical the center of resistance, moreover has brought the tremendous contribution for its economical development. From on century 90's, our country's consumer credit had the big development, but actually has in the last few years stagnates, investigates its reason, The consumer credit risk causes the supplies to shrink back at the sight.After research consumer credit and individual credit system relations,this article dodges the angle from the consumer credit risk system to start to study. In the theory part, discussed from the system economic to the credit implication and the cost benefit angle has constructed individual credit system the power question; Discussed from the property right theory angle has constructed individual credit system the foundation question; Embarked from game theory repetition gambling discussed individual credit system realization possibility; From the information economics effective market hypothesis, the credit cost and the information cost investment three angles discussed individual credit system construction condition; Finally carries on effectiveness analysis to individual credit system.. In the realistic part, first, compared with discussed in America, the Japan, the European three kind of individual credit patterns the government, the profession association, the central bank function, as well as their law, drafts the letter organization and the electronic technology development condition, and proposed the specialization to our country system construction, the transparence and the coordination enlightenment. Next, in the research of China's present situation and the question, through to individual credit system construction course understanding, the full affirmation nation unification movement individual credit information database, Shanghai has consulted the achievement which letter limited company at present and so on development domestic obtains; And through to the Chinese expense credit trend analysis, proposed in recent years China the economy which still existed in individual credit system construction process not balanced, the appraisal standard not unified, the law is not perfect, insufficiency and so on credit education lag. Finally, this article thought must consummate our country individual credit system, should choose the appropriate individual credit system to draft the letter pattern, to consummate individual credit the appraisal index system, the standard individual credit drafts the letter organization, the establishment and individual credit correlation law, the cultivation high quality individual credit environment and consummates individual credit risk the guard measure, and from these six angles proposed constructs with consummates our country individual credit system the concrete countermeasure and the suggestion. This article the expense credit risk question which faces the commercial bank with individual credit system organic unifies in together, and with peeked at in the summary proposed the establishment credit information society.