Research On Credit Reporting Legal System Of Small And Micro Enterprises In China

Improving the credit information legal system of small and micro enterprises is conducive to creating a good market trading environment,reducing information asymmetry in commodity exchange of small and micro enterprises,and effectively preventing credit risks in market transactions.At present,the legal system of credit investigation for small and micro enterprises in China is not perfect,and the irregularity of credit law increases the occurrence of dishonest behavior of small and micro enterprises,which leads to the disorder of market transaction order and hinders the efficient development of market economy.Perfecting the credit information legal system of small and micro enterprises is the basis for the sound development of market economy.Therefore,we should learn from the beneficial experience of the development of foreign credit information industry and combine our national conditions,improve the credit information legal system of small and micro enterprises,ensure the orderly conduct of credit transactions in market economy,and promote the orderly development of socialist market economy.Starting from the basic theory of the credit information legal system for small and micro enterprises,this paper analyses the significance of the credit information legislation for small and micro enterprises,and expounds the basic principles of the credit information legislation for small and micro enterprises,namely,protecting human rights and maintaining fair competition in the market.By using the methods of documentary research,comparative analysis and typological research,this paper has consulted a large number of relevant materials,analyzed the historical evolution of the legislation of credit investigation of small and micro enterprises in China and the current situation of the legal system of credit investigation of small and micro enterprises,and summarized the following two problems existing in the current legal system of credit investigation of small and micro enterprises in China:(1)the construction of the legal system of credit investigation is relatively backward;The legal system is imperfect;(2)the specific content of the credit investigation legal system is imperfect.This paper investigates the credit management experience of the developed countries in the international credit information system of small and micro enterprises,studies the development of the credit information industry of small and micro enterprises in the United States and the European Union,and perfects it from fouraspects: perfecting the legal system of credit information management,building a systematic and perfect database of enterprise credit information management,establishing intermediary service agencies of credit information management,and strengthening the leading role of government departments.The legal system of credit investigation for small and medium-sized enterprises can be used for reference.Under the background of supply-side structural reform,new ideas are urgently needed to solve the problems existing in the credit information legal system of small and micro enterprises.Firstly,we should improve the credit information legal system of small and micro enterprises by formulating the basic law of credit information management of small and micro enterprises,relevant supporting legal norms and implementation rules,formulating departmental rules and local government rules.Secondly,in terms of perfecting the specific content of the credit investigation legal system,the following points should be achieved:(1)clarifying the scope of collection of credit information and defining the content of credit investigation;(2)scientifically stipulating the preservation time of bad credit records by credit investigation agencies;(3)clarifying the legal liability of infringing civil rights and interests in credit investigation activities;(4)clarifying the ownership of information;(5)clarifying the credit investigation activities.The legal status of the institution;(6)Perfecting the punishment mechanism of abiding by trust and incentive and dishonesty.