Research, Improve Our Personal Credit System

Since the founding of the PRC to the completion of the three major reforms, China's implementation of a comprehensive model to emulate the Soviet Union in the implementation of a high degree of economic planned economic system, this basic structure until the reform and opening up the bank's commercial loans are invested enterprises, with little personal loans. However, with the reform and opening up, more and more advanced financial products and experiences traveling at sea, to china. From then on, it spawned a series on Chinese construction of the individual credit evaluation system involved in the legal, organizational structure, credit data, opening up as well as personal credit evaluation index system, and has to solve the problem.This paper in order to perfect the theme of individual credit information system, credit information system, first introduced the basic concepts, including personal credit, commercial bank credit risk causes, etc.; and then elaborated on the experience of foreign credit information system, as well as its on the Improvement of individual credit information system The revelation, focuses on the United States, Britain, Germany and other developed countries, individual credit information system; in contrast to foreign countries on the basis of experience, the article further analyzes the current situation of China's individual credit information system and the flaws, and my personal credit information system in the individual credit evaluation system to do a simple thought; and then the article describes the need for improving the personal credit system and use it as was put forward the Improvement of individual credit information system related to thinking. Hope that this paper studies the improvement of China's individual credit information system useful.