China's Credit System Construction And Discussion

Credit is not only a kind of moral personal integrity, but also a kind of concealed legal principle. Well social order needs outer restrictions of laws and even more depends on the inner adjustment of social credit. Practice shows that the more prosperous a country's economy is, the much higher the credit culture is. Moreover, the much higher the credit culture is, the more vigorous impetus of accelerating of the economy is. It is because that the essence of market economy is credit economy. A Comprehensive and perfect social credit system is the ultimate guarantee for market economy to deal business and for country economy to increase lastly and healthily.With the development of socialist market economy of our country, we have already established the social credit system tentatively. But due to the indifference of the credit idea, it is easy to be affected by the impulse of the economic benefit. And the imperfection of credit laws and credit system, which cause the lose of credit and the credit crisis in economic field, disturb the running of the market economy order, and hinder the development the market economy of our country. Therefore, building the proper Credit Investigation System, strengthening the credit idea and broadening the scale of credit exchange become the key point to impel the increase of our country's economy.Nowadays, there are three patterns of Credit Investigation System. They are European pattern, American pattern and Japanese pattern. They have their own characteristics and all play very important role in impelling the development of economy. In the process of constructing the Credit Investigation System, we must not only refer to the modes and experiences of other countries, but also base on the situation of our country. In this way, we could combine the impelling of government and the cultivation of market to build the Credit Investigation System fast and efficiently which has Chinese characteristic.The foreword analyses the economic meaning of building credit system and then briefly introduces the actuality and problems lying in the Credit Investigation System of our country. The first chapter begins with the concept of credit and analyzes the economic function of credit, which educe that the essence of market-oriented economy is credit economy. The second chapter gives the definition of Credit Investigation, the meaning of Credit Investigation System and the components of Credit Investigation System. The third chapter primarily analyzes the impact on the economy of our country causing by lacking of credit and lacking reason, which is the foundation to explain the necessity and pressure of constructing Credit Investigation System in the fourth chapter. The fifth chapter introduces three Credit Investigation System modes of foreign country, primarily analyzing advantages and disadvantages of the mode of government-oriented and market-oriented. The sixth chapter introduces the construction of our country's Credit Investigation System and the problems lying in it. In the seventh chapter, the writer gives his opinions and advises about the problems of the develop orientation of our country's Credit Investigation System.In this thesis, the writer takes an attitude of discovering problems and solving problems according to logic order, comprehensively discusses the construction problem of Credit Investigation System. The motive is to explain the theories and give advises of constructing Credit Investigation System.