Dalian City To Establish A Credit Information System

Modern market economy is the credit economy based on the base of legal system .The highly developed social credit system is playing a positive role in taking precautions against financial risks and in improving the resource distribution efficiency of the market. The construction of the system of 'credit investigation ' is the important link of social credit system construction. The credit investigation system of our country is still in stage of starting, up till now, the developing way is that credit investigation systems are set up independently by each province according to the divided area firstly, and then combined to form a national network. As the leading city of economic development of Northeast China. Dalian is very-urgent to setting about building his own credit investigation system. On the basis of considering the reality of Dalian and national whole situation synthetically, this text has put forward some suggestions to credit investigation system of Dalian: In case of legislation lack in nationwide credit, what Dalian should be done at first is to use foreign legislative experience for credit investigation, Structure the regional regulation environment tentatively in form that trade rule, department decree, administration stipulate as soon as possible. At the same time Strengthen administration guide and management, in order to remedy the supervision blank produced because the legislative speed is slower than the development speed of the credit investigation industry. Set up independent organizations offering individuals and enterprise credit investigation service separately. The subject to the mechanism of the credit investigation is built by governmental investment, which does not limit the participation of the individual capital and provide existing space for the non-public credit investigation mechanism by delimitting 'report threshold'. On the initial stage , the organization which manages the basic database must not be commercial. It should be operated by government. With the in-depth of the market, turn to commercialization progressively; to the other credit investigations organization that offered commercial service, they should be operated according tocommercialized operation completely. On the basis of combining existing resources, set up multi-level database step by step. Through the government decree, force the credit information open that government departments grasped. Protect individual privacy and business secret while emphasizes the " transparent information ". Pay attention to cultivating the supervising function of trade association. New authority of the government department should be totally responsible for programming, developing and supervising of the credit investigation. In addition, pay attention to not restrict the trade competition artificially while taking government as the leading factor and drive the system development of credit investigations. While developing the system of local credit investigation, pay attention to it with domestic and international cooperation.