The Study Of Credit Investigation Legal System

The modern market economy is credit economy. From countries all over the world to seethe mature market economic operation of the system is perfect market credit system based. Inthe present constitution in the deepening of the reform process, the market main body credit islow, the economic order chaos problems, are affecting the health development of the economyin our country, therefore speeds up the construction of our country’s credit system increasinglyurgent needs. Credit reporting as credit system construction and the core and foundation ofour country to build and improve credit system the most basic of the job is to establish creditreporting system, make effective operation.At the conclusion of the credit reporting to the experiences of developed countries, andon the basis of our country at present with the present situation of the development of creditreporting industry, the article concluded at present in China shall take to public creditreporting mode as the chief of the credit reporting pattern, the people’s bank of Chinainformation database as the main body, further improve the public services, the properties ofthe credit reporting agencies to place to establish a standard its commercial operation is, as theauxiliary credit reference system, so as to solve most of the legal system of credit reportingbased model of choice.According to China’s credit reporting the existence of information industry blockade, theindustry regulator, the main body of the information adverse right is infringed, dishonestpunishment system present situation, and put forward corresponding perfect our country’slegal system of credit reporting of the construction of the suggestion: open to improve theinformation and use system; To set up a government credit reporting the supervision of theindustry; Strengthen credit reporting association self-discipline; Establish faithlesspunishment mechanism. Thus to further perfect our country legal system of credit reporting,for credit reporting system construction to provide Suggestions, and promote thestandardization of the credit industry, speed up the pace of the credit system construction.