我国个人征信体系建设对信用消费行为影响的研究.pdfVIP

ABSTRACT The thesis studied on the impact of China’s credit investigation system construction on credit consuming behavior. During the development stage of socialist market economy system, the level of the market and the circumstance of the credit seem not ideal. In this situation, the strength of market is far from enough for the personal credit investigation construction. It is necessary and significant for the government to take a series of effective measures to promote the development of credit investigation system at lower cost, as soon as possible, including constituting regulations, coordinating different departments, establishing the database and making the information opening to the public. Despite of the sharp transferring of the economy development from a planned one to a market one, most of the people are unfamiliar with the concept of credit, let alone the concept of credit self-maintenance. In contrast to the lack of the concept of credit in these years, the culture of honesty and faith has a long history in our country. How to carry forward the fine culture is the first step, using the incentive and constraint mechanism to cultivate the concept of credit. Next step is to create some personal credit investigation agency to play auxiliary function on a part of credit extension institution. A perfect personal credit investigation system can enhance the credit elements in transaction. The aim is to form a benign circulation and realize a healthy rule in credit consuming behavior, which means the cost of lack of credibility is much more than the benefits. Following the cost-income principle, rational credit behavior will not choose the short-term benefit but the long-term credit. Hopefully, the credit investigation system construction will offer convenience and benefit to the market and provide a long-lasting impac