Legal Research On Corporate Credit System

Company credit is one of the important resource,but also is now china’s most scarce resources. As china’s market economy continues to develop, the company’s trading activities in the company’s credit has become an important factor affecting business transactions. The company mainly focus on the company’s credit system generation, provision,assessment, transaction, guarantees, relief and other legislation or laws, the formation of a logical law, harmonization of legal system.However, due to lack of credit for the company’s legal protection and regulation, the absence of the relevant legal system, led to a series of social problems.At present, China’s socialist market economy construction under way to establish a credit system is also still in its infancy.Content Analysis research credit system, history and theoretical basis, drawing on the credit system to establish and develop valuable international experience, discuss current situation and problems of credit system and make recommendations for reference, is one of great significance jobs.First, mainly from the theory, analyze the company credit legal system, summarizes the meaning of company credit:credit refers to the company on the basis of honesty in pursuing moral, in the pursuit of economic interests of the whole process of the performance ability and the performance behavior of social evaluation, to judge the company credit is a kind of personality is also a kind of the nature of the property interest, summed up the company credit dependent, property, information openness and four characteristics, the diversity of credit dimension scope and the necessity of company credit is analyzed.Secondly, mainly from the foreign point of view, the credit system to select the most representative legislative mode United States, Germany, Japan introduced. Credit legislation focuses on three countries:the United States as the representative of the market-driven model, represented by Germany, supplemented by government-based market model to Japan on behalf of the industry associations dominant mode. Construction of the current ongoing credit system, after the three national credit system for comparative analysis, summed up the advantages of the three countries together:the company’s credit system has a comprehensive law to support credit service organizations have sound credit operating mode has improve the dishonesty punishment mechanism.The performance of the lack of credit of our country company and the reason analysis. The first part introduces the present situation of our company credit loss, after the analysis of main problems of lack of credit of our country company:the company credit legal system is not sound, credit information standards and platform construction lags behind, the credit service market and institutional development is slow, internal credit management and the lack of perfect company credit incentive and punishment system.Finally, aiming at the problems our company credit, and puts forward concrete Suggestions to solve these problems as well as the basic train of thought. First of all, from the legal level to perfect our company credit legislation, and then under the condition of the law allows to build credit system operation platform and the development of credit service market, again from inside the company to establish and improve internal credit management system, the perfect company credit system of incentives and punishment.