In the evolutionary course of human history, as an ancient proposition, credit hasalways been the attention of the world. With the further development of socialist marketeconomy, as the link to standardize the market and the pillar of modern socialrelationship, the importance of credit is becoming increasingly prominent, and the creditproblem also has attracted a lot of attention in the process of reform. However, thereality of the situation in China is that the phenomenon about the lack of credit abound.At present, credit has become one of our most scarce resources in China. This situationof China hinders economic and social growth seriously. So it is important for keepingChinese sustained economic growth and social prosperity and stability to establish andperfect the social credit system in line with Chinese national conditions in order tostandardize economic and social order.In recent years, the problem about credit intermediary service has been paid moreand more attention. As the carrier and important part of the social credit system, creditintermediary agency can provide organizational guarantee for establishing andimproving the social credit system, and has become one of the essential and the mostactive factors in the economic field, even has penetrated into every corner of the sociallife. At present, in China, credit intermediary agency itself still has many deficiencies,so the professionalism, objectivity and fairness of the service from it is often questioned.In a manner of speaking, the credit intermediary system is still in a disordered state as awhole. This situation restricts economic and social credit order seriously. This is mainlybecause that the development time of Chinese credit industry is not long and thedevelopment of credit intermediary agency is still in the primary stage. On the one hand,credit intermediary agency’s construction needs to be strengthened, on the other hand,the government supervision of credit intermediary agency is still very weak and needsto be improved. The government, therefore, needs to promote the development of credit intermediary agency actively, at the same time, must strengthen the supervision in orderto standardize the behavior of credit intermediary agency effectively, improve theservice quality of credit intermediary agency and promote the healthy development ofcredit intermediary industry.Based on the construction of the social credit system and in view of the creditintermediary agency’s important effect on the establishment and perfection of the socialcredit system, this thesis cards the development and present situation about thegovernment supervision of Chinese credit intermediary agency, and analyses the foreigngovernment supervision mode of credit intermediary agency and the enlightenment toChins in the United States and Germany as representative from the general sense. Onthis basis, the thesis dissects the problems and reasons from Chinese governmentsupervision of credit intermediary agency, and puts forward the countermeasures andsuggestions to strengthen and perfect Chinese government supervision of creditintermediary agency. |