Personal credit, credit reporting and law

Author: Long Xianxiang
Publisher:
Publish Date: 2004-10-01
Features: This series of books covers credit subjects such as governments, enterprises, and individuals, conducting multi-angle and comprehensive explorations, and establishing a relatively complete framework for credit reference system construction. It highlights the practical nature of credit reference as a science, examines credit situations in various economic activities through case studies, and provides evaluation methods for different types of credit. It emphasizes the significant impact of the credit economy on modern economic life and its crucial role in financial system construction, demonstrating the necessity of establishing a credit reference system. Credit has been a highly popular topic in recent years and is a key subject of discussion in numerous disciplines such as economics, law, and sociology. This book selects the aspect of personal credit as a focus, with an emphasis on analyzing and researching the property rights and information aspects of credit transactions, aiming to provide some explanations for credit issues in China. The book consists of eight chapters. First, it begins with the definition of the credit category, analyzing the characteristics and property rights issues of personal credit transactions through a general examination of credit, and discussing the legal regulations governing personal credit transactions. Then, it examines the allocation of rights in several important personal credit transaction instruments, studies personal credit reference and credit scoring, and explores ways to reduce information asymmetry and transaction costs in personal credit transactions. Finally, the book provides a comprehensive summary and evaluation. The book is well-structured and thoroughly argued. Its greatest feature lies in studying the personal credit system from a legal perspective, using legal methods and achievements to help readers grasp it more precisely from a finer angle. As one of the credit reference series, it forms a relatively complete credit reference system along with the other two books, "Principles of Enterprise Credit Reference" and "Credit Reference Theory and Practice."