The Countermeasures Of Perfecting Our Country's Individual Credit System

The personal credit system is an important component of the market economy ishealthy and orderly system of protection.Compared with most developed countries，China’spersonal credit system construction time is relatively short，relatively backward.Creditreference agencies such as the UK than in China as early as one hundred years.China’s firstcredit rating allied agencies thirties of last century to create credit bureaus，from thepersonal credit industry into the people’s vision. In the last century，the development ofChina’s domestic economic recession，domestic demand，in this case，China has proposedthe development of the personal credit system，and a large number of commercial banks tocarry out a personal consumer credit business.At this point，the personal credit system inChina has been the initial development and purpose of this paper is to study furtherimprove China’s credit system needs to integrate the use of a variety of measures，throughthe comparative analysis，summarized，summarizes the research methods，the basis ofdomestic and foreign scholars，summed constructive measures to improve the creditsystem in China，such as speed up the legislative work of the personal credit systemconstruction，including comprehensive legislation and special legislation should be at thesame time；establishment of a unified personal credit file registration system in thecountry，the use of existing bank savings real-name system，the establishment of personalaccounts，speed up network construction and sharing of personal information；personalcredit assessment mechanism，improve the methods of assessment indicators，according tomarket-oriented approach to the establishment of a credit institutions and intermediaries.