A Study On The Information Questions Of Our Country's Personal Cedit System Construction

Nowadays, credit plays an very important role in modern market economy. With the development of social economy, it is now becoming another public spotlight and concern. Its significant influence on economic order and financial security has also been realized by more various circles of society. It is easy to find out that in today's world most of those developed countries and regions have already set up their own credit systems and from their experience we could see how closely the credit system and the economic development connect with each other.In China, the lack of social credit management has lead to more and more dishonet conducts, which are greatly damaging the development of our market economy. Right now our personal credit system is still at the starting stage, lots of work is needed in order to complete the system design, policy improvement, credit disclosure and evaluating. To promot the country's credit consumption and keep the financial stability, we need to speed up the process of credit system construction.This thesis, based on an view of Information management, takes the construction of personal credit system as and credit information management work, discusses the information producing, collecting, delivering and sharing through out the personal credit system.Firstly, the thesis defines the basic conception related to credit and information movement, explains those actual elements in personal credit system, such as credit, credit information, credit system mode, etc. In this way, the existence and movement of credit information could be clearly presented.Secondly, the author gives a rounded discription of our country's personal credit system, concludes the accomplishments and lackings in policy making, information checking and credit database construction from late 90s till now.Based on these discussion, the third part of this thesis conducts detailed analysis of every aspects of personal credit system, such as information soursing, integrating, sharing and storaging. Through this process, the basic problems in our credit system can be revealedIn the end, the author also tries to draw constructive suggestions about our personal credit system development and puts forward ideas in detailed credit information management.