China Bank Personal Credit Information Of Supply And Demand Analysis And Empirical Research

At present, credit crisis appears in our country. Because different kinds of credit relations can be ultimately mapped on personal credit, credit crisis takes root in the personal credit in fact and its essential is the crisis of system that plays an important role in assessing and transferring personal credit. The key to settle the credit crisis is to set up personal credit system as fast as possible.Personal credit system is large and complicated systematical engineering involved in lots of factors. This paper concentrates on studying the banks' requirements and supplies of personal credit information and other relevant issues.Firstly, the paper gives a certain definition of credit that is not only a psychology activity and other activities, but also a system. Based on the concept of credit, the concept of personal credit is defined.Secondly, on the basis of the harmfulness of personal credit's problem to banks that develop individual finance operations and its existing circumstance, the paper discuss the different layers of the reason that cause credit problem of bank-individual relations. And the obstacles of resolving the crisis are argued. Then, the paper points out the main problem of the crisis are shortage of personal information share and distemperedness of punishment system to breach of faith.Thirdly, according to the survey of bank's employees and other ordinary' people, the paper discusses the structure and intensity of banks' information requirements. In succession, the paper discovers the different kinds of the sources of personal information, especially the attitudes of banks to providing the personal information that is saved in their own databases.At last, the compare of deferent kinds of personal information system is examined. And then, the paper points out the difficulties and obstacles that our country will confront with when constructing personal credit system. Based on all of the above study and the results of sampling survey, suggestions of our personal credit system are put forward.