On structuring the personal credit insurance system——some findings about the "bad bank harmony" of KAMCO;

The analysis about the obstacle and countermeasure of China s personal credit system development;

Construction of personal credit system in consumer credit market of China

The current personal credit economy in China is still not well developed,the main reasons of which are lack of credit assurance and deficiency of perfect personal credit system.

But because of some causes, such as the lack of normal and unified management, extensive operation, improper orientation of product, backward methods of management, imperfect individual credit system, slow development of special commercial firms, etc.

Establishing the rural individual credit system can improve the efficiency of the government and organizations at the grass-roots level to solve farmers problems,can regulate and promote trade,can help farmers finance,can provide equal opportunity for the farmers and finally help them form moral criterion.

In order to develop individual loan business in Chinas commercial banks, its compulsory to set up a perfect individual credit system which is to be shared with various users in the society, taking foreign advanced experience for reference, and combining it with realistic situations in China.

Manpower search,as a newly-emerging network technological means,has greatly influenced network information security,and seriously imperiled personal information security in particular.

Research of the individual credit system model in China;