The paper examines the present situation concerning China's social credit and the main constraints affecting the establishment of social credit system.

Personal credit system refers to a sum of a set of rules, policies and laws for administrating, supervising and safeguarding personal credit activities in economic life.

Enterprise credit checking is a part and parcel of the social credit system and plays an important role in improving market system, safeguarding market order and promoting market economic development.

For the purpose of adapting to the requirement of the rapid development of capital market, the State-owned commercial banks will have to speed up their own reform, put in place modern banking system, transform mechanism, improve competitiveness and raise efficiency while coordinating with the development of capital market and the SOE reform.

The development of capital market is the objective requirement of market economy in its development, posing both threats and opportunities for the development of commercial banks' business.

The development of capital market will inevitably produce impact on the operation of commercial banks.

The paper goes over the history of and present situation concerning the human resource market development in Shenzhen and analyzes the experiences and practices of the human resource market in the city, thus providing useful enlightenment and reference for the human resource market development in the country as a whole.