Research On Personal Credit Legal System In China

The personal credit bureaus legal system is an important legal system for the protectionof Chinese economic construction. Perfecting the personal credit legal system construction ofour country to promote the development of personal credit industry, and at the same time, alsoshould establish the relevant system to protect the personal rights and interests of theindividual credit system. In western countries, the construction of personal credit informationis in the advanced ranks. Based on the study of legal system of personal credit of othercountries, and analyzes the legislative situation of our country by the credit managementregulations, then draws the conclusion, that is, the administrative approval system of theChinese personal credit should be improved in the supervision and management. It shouldtake the facility of the application for the establishment of personal credit institutions asprinciple， administrative license become divided， at the same time to lead to theestablishment of industry self-discipline organization, and to improve the level of personalcredit agency business. Distinct and treat the different adverse information strictly, and set upa different time of preservation to guide people to pay attention to the personal creditinformation. Meanwhile, the information of company’s directors, supervisors, senior thatrelated to their duties should be clear, in order to facilitate the operation. For the situation offoreign investment come into Chinese market access of personal credit information，and theindividual credit data to outside, as well as the license, it should also strengthen the system ofprovisions.