The existing personal credit system in our country is nagged by efficiency lack, in which the subjects involved, including the producer, the consumer, and the supervisor are all obstructed from maximization of realizing welfares. An introduction of “Pareto Optimality” will help seek the objectives to be developed by the personal credit system in our country and make all the economic subjects actualize a rearrangement of resources in the course of repeated voluntary exchange through formal arrangement of the system to improve welfares of the subjects involved.

personal credit; year of property right; efficiency lack; “Pareto Optimality”