Research On The Supervision Of Market Subject Credit Under The Background Of Commercial System Reform

Since March 2014,with the implementation of the commercial system reform,the number of company registration has been increased substantially and the market economic vitality has been greatly released.In October 2014,the Provisional Regulations on Opening Information of Companies and other five supporting regulations were carried out,which marked the transformation of supervision mode from market participants'supervision into credit supervision after the reform of the commercial system.With the series of reform,the vitality of the market economy has been released unprecedentedly.Meanwhile,it attracts the author's attention that under the background of commercial system reform the credit supervision of the market subject as a fresh still has some shortcomings,which needs to be improved.Under the background of the reform of commercial system,combined with the practice of credit supervision of the city T area,this essay combs the current problems of credit supervision of the market subject,analyzes the causes and finally puts forward suggestions and measures with the use of the theories such as transaction cost theory,game theory and governance theory etc and based on the current conditions of credit supervision of the city T area.On the basis of pointing out the background and significance of the topic,this essay summarizes the research results of credit supervision of market participants at home and abroad,illustrates the research contents and methods,and puts forward new ideas.With the exposition of concepts and theories related to the credit supervision of market participants,then taking T area as an example,it introduces the basic conditions of the reform of commercial system,explains the function orientation and comparative advantages of credit supervision of industrial and commercial departments and states the measures and achievements of credit supervision of market participants in T area.Then the essay points out the existing problems of credit supervision and analyses the facing challenges such as imperfect laws and regulations,defective supervision mechanism,immature credit opening system,disability of the management team and less social supports.It then analyses the reasons of the problems in the following areas including lagging laws and regulations,imperfect supervision mechanism,immature credit opening system and aging management team and weak social backgrounds etc and puts forward suggestions and measures of credit supervision of market subjects under the background of the reform of commercial system and finally gives conclusions and prospects of the research content.