Research On The Legal System Construction Of Personal Credit System In China

Due to historical reasons,China has been implementing the planned economy system for a long time.Different from the market economy,such planned economy attaches great importance to the government's allocation of resources and ignores the role of the market.In fact,credit economy is market economy.When the credit economy in western countries appeared and developed,China did not keep up with the development of credit economy.The development of market economy has greatly improved the economic level of our country.However,with the gradual enrichment of material basis,the problem of lack of credit began to appear.Because our country does not have a good credit foundation,economic development brings many opportunities to people,at the same time,it also makes many people's profit-seeking psychology more and more inflated.The basic principles such as the spirit of contract,abiding by promises and so on are left behind.The social atmosphere changes rapidly.The crisis of lack of social credit even affects the stable development of China's market economy.In such a form,China proposes to improve the credit level of the whole Chinese society by establishing and improving the credit system of people and establishing people's sense of credit,correct the dishonesty,and guarantee the socialist market economy with Chinese characteristics by creating a safe and harmonious credit environment.The legal system of personal credit system is the foundation of the operation of personal credit system.The establishment and improvement of the legal system of personal credit is the inevitable requirement of the development of socialist market economy in China,the important support for the modernization of the national governance system and the governance ability,and the basic means to promote the citizen's credit education.Through the legal means to regulate personal credit behavior to protect the operation of personal credit system on the basis of standardized and orderly,and finally create a good market environment and a social atmosphere that attaches great importance to the spirit of contract,good faith and high degree of credit.The main content of this paper can be divided into four parts: the first part is to explain and analyze the special terms "credit","personal credit" and "personal credit system" involved in this paper,and to introduce the development and evolution of China's personal credit system and its legal system.The second part mainly explains the legitimacy of the construction of personal credit legal system,that is,the positive role of credit law in the development of socialist market economy,the modernization of national governance system and capacity,and the promotion of citizen credit education.The third part is based on the analysis of the personal credit system model and legal system of the United States,Japan and Germany,to clarify the shortcomings of China's personal credit system and legal system.The fourth part is to explore the choice of legal path of personal credit system from three aspects: the choice of personal credit legislation direction,the expansion of personal credit legislation content,and the ultimate goal of personal credit law,so as to give full play to the positive role of law in ensuring the construction of personal credit system and promoting the healthy development of social economy.