Based On The Central Bank Of Credit Market Mechanism Research

With the rapid development of economic society, the Chinese characteristic socialist market economy system from establishing the gradually maturing, as a form of credit economy, the social credit system and credit markets become important institutional arrangement of market economic system. Strengthen credit market mechanism research and innovation, and promote scientific, systematic and institutionalized credit market structure, is to perfect the objective demands of socialist market economy with Chinese characteristics, to further standardize the market management, activate market operation has the extremely important significance. Credit is the foundation of the development of financial industry and fundamental, systemic, comprehensive and healthy development of the financial system depends on the improvement of the credit reporting system and execution. Especially under the background of the healthy development of China’s economy continues, the improvement of the credit market mechanism and innovation has become an important impetus promoting sustainable and healthy development of financial industry. Throughout the process of the establishment and perfection of the credit market in China, the construction of social credit system gradually spread across the country, out at the local branch credit reporting laws and regulations construction, the department of trade credit system construction have a certain scale, the joint credit system preliminary formation are actively pilot, regional credit system construction, personal joint inquiry presents the new development trend, at the same time, the development of credit market mechanism in China still exist certain problems in the process, such as the absence of legal measures and legal support to further strengthen, dual market supply and demand is insufficient, the level of credit reporting service remains to be further improved, limited scope of information resources, information quality is not high, the sharing of information resources needs to be further strengthened, the absence of credit market supervision, social propaganda is insufficient, credit environment is not yet perfect, all these problems restrict the credit market healthy and sustainable development in China. Therefore, this article obtains from the credit reporting of relevant theoretical research, analyzes the and elements, form the concept of credit, credit market and credit system, and from the current situation of the development of the credit system, the paper analyzes the process of the construction of social credit reporting system of China, the current situation of the development of personal credit system, the enterprise credit system development present situation, as well as the problems existing in the process of the construction of social credit reporting system of China and the reasons. View at the same time, based on the central bank credit construction of market mechanism, strengthening the construction of credit market mechanism put forward about the overall planning, adhere to the principle of strategic positioning accuracy, mainly credit market construction, consummates our country credit administrative rules, integration of existing credit information resources, to expand the people’s bank of China credit reporting services, strengthening the construction of disciplinary mechanism, guide the construction of social credit culture, promote the innovation and development of China’s credit market system.