Research Of Modern Credit System In He Nan

Since reform and opening up, the domestic various local has obtained a rapid growth of economy,the credit scale expands unceasingly, gradually increase the credit demand with gradually establishmentand improvement of market economy system. While lack of credit problems began to emerge and had notbeen solved properly. For example, it’s more difficult for banks to control credit risk and NPL ratio rises,delinquent loans between enterprises seriously affect the normal business activities, a large number ofcommercial fraud and fake commodities in the market will damage consumers’ rights and interests heavily,personal malicious debt behavior among consumers also occurs. All of those threaten the healthydevelopment of the social economy in varying degrees, eventually lead to rising social and economicdevelopment opportunity cost.In recent years, the lapsesosts that cause bad influence are involve in Henan. For example, the“Shineway clenbuterol event”, the “Cooking oil incident” and so on which are related to the peoplepersonal safety in Henan, caused social panic. Compared with other domestic provinces, the level of credittransactions in the market in Henan is more backward, and trustworthy consciousness is weak, lack ofcredit problem is especially serious. So for Henan province, to speed up the construction of modern creditsystem, through the standardization and immobilized of the credit rules, to standardize and restrict creditbehavior and credit relationship, in order to reduce the uncertainty in the process of economic exchange, setup the basis of trust in economic exchanges, and save the transaction cost, maintaining the good marketeconomy order, has great necessity and urgency.This article mainly research Henan modern credit system. It divides into five parts, the first partis an introduction, this part describes the significance, the research status of domestic and international,and summarizes of innovative and inadequacies; the second part is an overview of modern credit system. Itmainly includes credit, the concept and function of the role of credit systems; it also introduces the moderncredit system, these laid the theoretical foundation for the establishment and improvement of the moderncredit system; the third part introduces the current lack of serious credit problems in Henan, it focuses onthe causes of history, culture, technology and the regulatory system, therefore I conclude that the construction of Henan modern credit system is imminent; the fourth part forces to solve the problem in thecurrent context, and proposed corresponding practical suggestions for the construction of various problemsby drawing on research experience of developed countries; the fifth part is the conclusion, it mainlysummarizes the main point of this article again, and I hope it can make perfect guidance for the after thedevelopment of the modern credit system make perfect guidance for the improvement of the modern creditsystem in future.In addition, it is worth noting that credit system is not changeless. It develops with market economy and adjusts to new problems. Therefore, modern credit system construction in Henan Province of this paper also adjusts itself to the change of demand or existing problems. It is significant to recognize problemsimmediately and set overall goals and concrete objectives. To seize the general direction and adjust construction program is the key factor to guarantee problem-solving quality and efficiency, as well as promotehealthy and rapid development of local economy.