Regional Network Of Personal Credit System

Personal Credit Rating is a new industry in China, which is an outcome of national finance system reform. Compared with western developed countries, Personal Credit Rating, especially network personal credit system in China still needs to be developed further.This article mainly targets on how to set up regional network personal credit system. Based on learning from western developed rating theory, this article introduces importance of personal credit in modern economic society, purposes and targets of establishing regional network personal credit system. Taking advantage of credit rating mathematic model and advanced rating analysis technology and network technology, the article mainly analyzes how to set up complete personal credit united system which is in accordance with both international common practice and national objective reality. Taking example of Shanghai Credit Co., Ltd, the .irticlc describes how to set up network personal credit system which suit the situation of our country. This article deeply analyzes economic effect and social effect of united credit system, problems and inefficiency in personal credit united system.