Credit is the foundation of the market economy. In order to perfect our country’s market economy system，to ensure that the market mechanism is playing its important role，it has been the crunch time to establish the personal credit rating system. In this chapter，we look at the development of personal credit rating system and personal credit report in our country，determine the existing problems in the current construction of personal credit rating system and related problems in the practice，and propose the countermeasure and suggestion of further construction of personal credit rating system in our country.