Personal Credit System In China's Development

This article has carried on the deep discussion to the development of the personal credit system in China. The whole article divides into two parts, one to analyze about the economics theory of the personal credit system. The method to study is to regard Marx's credit theory as guidelines, come to go on from the visual angle of new institutional economics. One is about the practice of personal credit system in China. This article analyses on the basis of the current situation to the personal credit system of our country, the understanding of the personal credit system improvement of foreign countries, combine copies of unity and coherence in writing theory analyze conclusion , system put forward a series of favorable to of our country personal credit system policy recommendations of development.Particularly, after investigating credit development history and credit economic theory development history, this article has analyzed the necessity set up of the personal credit system theoretically, expound emergence principle of personal credit in terms of social capital, control from mechanism of economic governance angle is it give play to debt-credit function of credit actively to put forward, bring about an economic advance further. There are some important methods to build the personal credit system from it. First, as a kind of credit system, should fully consider the function of the unofficial system, the personal formal credit system is arranged and should be designed on the basis of according with unofficial credit system, strengthen the construction and guide of the personal unofficial credit system at the same time. Second, building the personal formal credit system should raise the personal prestige capital which disobeys the letter to lose while keeping the personal credit expenditure regular. Improving personal prestige capital loss has two kinds of methods. Third, it is regard personal formal credit system as a mechanism economic governance come construction to want. Fourth, should notice in the personal formal credit institutional improvement that the governments are mandatory with the autonomy characteristic of the association and organization, give play to the positive roles of the government and two folk respects, promote the overall development of the personal formal credit system.Therefore , has combined the current personal credit system existing problem of our country and origin cause of formation and put forward the policy recommendations of the personal credit system of our country of building pointedly: Strengthen the propaganda and education of credit of the society, increase the personal prestige capital; Accelerate the registration work of the institutional improvement of personal credit; Perfect the personal credit system of our country; Accelerate the construction of supplementary measure of credit; Pay attention to the development in an all-round way that the government and credit trade organize.