On The Construction Of The Supervision System Of Private Individual Credit Reporting Agencies

This article takes the private personal credit agency supervision in the credit industry as the main research object.In the personal credit card is about to issue,the market is about to officially open today,supporting legal and regulatory mechanisms are still lagging behind.The progress of technology makes the traditional regulation difficult to adapt,due to the strong demand for credit services and regulatory mechanisms do not match the impact of personal rights and damage,credit score lack of authority,the market is difficult to unify and so on.After analyzing and sorting out the supervision of private personal credit at home and abroad,the author puts forward some concrete suggestions on the perfection of the supervision mechanism.The first part introduces the development of personal credit.The author clarify the concept of credit in the concept of this boundary;personal credit definition through the concept of combing,similar to the concept of differentiation,and through the history of personal credit development history,analysis of the theoretical basis behind the generation.Including asymmetric information theory and transaction cost theory.It is pointed out that due to the development of the transaction and the development of the financial market,it is necessary to separate the credit as a separate industry from the two sides of the transaction,which is the inherent demand to reduce the transaction cost.Through the review of the development of our institutions,the guiding principle of personal credit market is obtained,which embodies the value orientation of protecting the legitimate rights and interests of the information subject and maintaining the benign competition of the market.This part also contains the current problems of private personal credit bureaus in our country.This is the legal absence of the case,the inevitable development of the market drawbacks.Information sharing mechanism is not perfect,collection and scoring standards are not unified,information security is difficult to protect.At present,China's regulatory system and regulatory model is still in the exploratory period.The second part is the introduction of personal credit management system outside the domain.Respectively,from the legal framework,market access,regulatory bodies and models to sort out,which also includes regulatory enforcement cases,and explores the regulatory innovation and application in foreign countries.Compare the domestic regulatory environment and regulatory system,to find useful for China's useful reference.The third part mainly elaborates the problems existing in our supervisory system.Supervision of the internal design and credit industry has the shortcomings,as well as the current regulatory implementation of the problem.Summarizes the experience and experience of domestic and foreign theories and practices,and puts forward some suggestions on how to improve the supervision system of private personal credit institutions,including the improvement of supporting laws and regulations,a clear credit agency nature,innovative means of supervision.Promote the prosperity of personal credit market development.