The Reserch On Social Credit System Constuction Of Hebei Province Based On PBC’s Perspective

Recent years,Hebei province is facing with the problems as follows,continues slow down of the economic growth,urgent needs of industrial structure adjustment,rising of financial risk,which means that the demands for the social credit system was growing sharply.Basing on the perspective of the People’s Bank of Hebei province,on the basis of the research status both domestic and overseas,analyzing our country’s social credit system construction of generalizes the process and results,analyzing and comparing the three kinds of international mainstream modes of social credit system construction,several aspects of enlightenment are concluded on this paper,such as the mode of social credit system construction,the mode and development of credit bureaus,and the supervision and service of credit market in Hebei province.Basing on the perspective of the People’s Bank of Hebei province,this paper draws out three aspects(the choice of social credit system construction mode,the sound legal system of credit law and the development of credit agency)by combing the four stages of the construction of social credit system in our country,we analyze the three construction modes of international mainstream.This paper systematically expounds the development of credit system construction in Hebei Province from the aspects of construction framework,collection of credit information,construction of shared platform,reward and punishment mechanism,credit market,credit propaganda and education,credit system experimental area construction.Combined with domestic and international experience to reflect on the view that the root cause of the lack of the underlying design is the legal system is not complete,causing the lack of information platform for the reasons for the weak credit information base in Hebei Province,resulting in credit market imbalance is divided into demand and supply The reasons for the lack of incentive and punishment mechanism are the lack of linkage and the lack of disciplinary basis,which is caused by the shortage of credit talents.It is not perfect for propaganda and education subject and educational object.Finally,it based on the analysis of the problem,put forward to improve the legal system,to promote the collection and use of credit information,to speed up the development of credit market,to strengthen the four aspects of credit education improvement measures.It is hoped that through the research results of this paper,we will further improve the social credit system of Hebei Province,optimize the social credit environment and promote the long-term development of economy in Hebei Province.