Credit Reporting Industry Regulations Related Legal Issues Research In Our Country

The word credit in today's society,is not a simple meaning of honesty and credibility.As people became more and more demand for credit information,the credit reporting,a series of activities about the credit collection and evaluation came into being.Many countries in the world especially the developed countries give high attention to the credit activities.They establish credit system actively and make efforts to promote the development of credit reporting industry.The healthy development of credit reporting industry can help the development of the credit bureaus,make the credit bureaus provide quality and efficient credit business and prompt the development of the credit market effectively.At present,the development of China's credit reporting industry becomes very fast,but it is not mature and perfect.Besides,because of the credit reporting industry's own competition restrictions,there will be a chaotic competition at times.Therefore,to make the credit market order is stable and make the credit reporting industry develop healthily,there must be haven reasonable scientific supervision and management of credit reporting industry.At present,our country's credit reporting industry regulation,although increasingly standardized,but it is not enough scientific.In this paper,the main issues we will analyze are a kind of legal problems improving the regulatory science reasonable to make the credit investigation have healthy and efficiency development.Aiming at the actual situation of our country,and combining with the experience of excellent overseas,by using document analysis method,comparative method,historical study method and economic analysis method,we put forward four suggestions to the path for the development of our country's credit reporting industry regulation mode.First,we should establish good supervision ideas.We must set up the main goal to promote to stimulate the vitality and standardize the development of the credit industry.Making efforts to promote credit legislation and exercising supervision in accordance with the law.Promoting coordinated development of private credit and public credit to develop the whole credit industry.Second,we should establish the regulation mode which is given priority to with market regulation and government intervention is complementary.Third,regulatory legislation,including following aspects:credit information disclosure,privacy and data security protection,and specific regulatory practices.Fourth,scientific supervision methods.The government should build independent regulation institution.In accordance with the law regulation coordinated and discretion.In accordance with rigid regulation and coordinated flexible regulation.Supervisory power and supervisory responsibilities must be consistent.