Comparative Analysis Of Domestic And Foreign Personal Credit Information Management Systems

Under the credit society,in order to maintain the credit social order better,the government must pay more attention to the personal credit construction.We must to establish a Personal Credit Information Management System,and we can regulating and restricting the credit behavior of the parties through the collection,collation,storage and release of personal credit information.Optimize and improve the construction of Personal Credit Information Management System,not only conducive to the development of credit economy,also played a complementary role of the construction of credit system in our country.It is a great significance to the construction of a sound credit market.Although our country has made some achievements In the construction of credit economy in recent years,but when we research from the perspective of the whole credit society,the personal credit in our country defected obvious.At the same time,the special situation and cause in China is difficult to determine their mode of credit system,the construction of personal credit information management system is still inadequate.There have been many personal credit information management and personal credit information leaks and other issues to let the national Personal Credit Information Management System of the trust degree decreased.Therefore,the improvement of Personal Credit Information Management System in our country has become the focus of attention.This is a great practical significance for building a credit society and credit market,and building a good credit environment,promoting China's competitiveness and promoting social progress and development.The paper dravws lessons from the experience of foreign Credit Management Information System construction and management,and compared them with our country built and in use of Personal Cr-edit Information Management System,and weresearched from the system structure,function,information sources and information service,and information management of several aspects of this comparison,find out the personal credit information management system at home and abroad the similarities and differences.We analysis of the defects of personal credit information management system in China,combined with China's national conditions,and put forward the feasible suggestions for improvement.