我国个人信用征信制度的立法探讨

个人信用征信制度是关于个人信息收集与传递的机制,是减少失信行为、促进交易的有利手段,是建立信用经济的重要环节。但是我国关于规范个人信用的全国性立法还是空白。个人信用征信制度的建立需要解决公民隐私权的保护问题,并在信息的收集、处理、公开、法律责任等方面构建当事人的权利与义务。

Research on the Legislation of China's Law of Personal Credit System

Personal Credit System is a legal system on the collection and transfer of personal information, which is an influential measure to turn down the dishonest behavior and plays a key role in the foundation of "Credit Economic". However, China is short of such a system and has blocked the development of credit career. So it is necessary for China to found the personal credit system. The foundation of Personal credit system is to harmonize the connection between the Right of privacy and the Right to know, the obligation and right of related parties within the system. Lastly, some suggestions are given to set up the personal credit system in China.