Individual credit system is mainly refers to use in supervising, managing and safeguards individual credit activity health, the standard development one whole set rules and regulations and the behavior standards by the national establishment, it has the vital role in maintaining the market economy order and consummating the market economy system . This article embarks from our country individual credit system construction present situation, proposed promotes our country individual credit system construction countermeasure mentality, to the problem and the main restriction factor in view of our country individual credit system construction .