中国个人征信制度的理论基础与立法对策研究

发布时间：2018-12-08 20:35

【摘要】：改革开放至今,我国的社会结构、经济结构等已经发生了重大的变化,原有的信用规制方法,已经突显出落后和陈旧;同时,在转型期,社会的道德体系也在不断地经受着新的冲击与挑战。旧的已破,新的未立,失信问题成为我国目前经济乃至社会整体面临的最严峻的问题之一。为了建设信用社会,打击失信行为,建立个人征信制度体系就势在必行。尽管征信活动己经成为社会经济生活中的一个事实,它得到了经济学、管理学、社会学等学科理论的支持,但是,征信产业的发展并非一帆风顺,从其产生的那天起,征信就不断受到各种挑战和质疑。为了使我国的社会信用体系建设有准备地、顺利地走向未来,我们还必须作艰苦的调研、分析工作。本文主要分为四章。第一章为个人信用征信及其基本内容,主要就与个人信用征信有关的概念进行了阐释,介绍个人信用征信的基本内容以及建立个人征信体系的重要性。第二章从古代信用制度的萌牙出发,介绍了我国古代和现代个人征信制度的发展历史,并就目前个人征信制度存在的问题进行了阐述。第三章对个人征信制度进行了法律与社会科学层面的分析,主要从三个角度进行了分析,即法经济学分析视角、法社会学分析视角和宪法学分析视角,论证了建立个人征信制度的必要性。第四章通过提出四点意见,论述了建立和完善我国个人征信体系的对策建议。通过完善个人征信制度体系,以消除人们对于个人征信的疑虑,促进信息的自由流动和信息共享,实现政府对征信市场的有效监管,促使市场主体关注自身信用、避免失信行为。
[Abstract]:Since the reform and opening up to date, China's social structure, economic structure has undergone major changes, the original credit regulation methods, has highlighted the backward and outmoded; At the same time, in the transition period, the social moral system is constantly undergoing new shocks and challenges. The old has broken, the new has not been established, and the problem of dishonesty has become one of the most serious problems that our economy and society as a whole are facing. In order to build credit cooperatives and crack down on dishonesty, it is imperative to establish personal credit system. Although credit information has become a fact in social and economic life, it has been supported by economics, management, sociology and other disciplines, but the development of credit investigation industry has not been smooth, from the day it came into being, Credit inquiries have been constantly challenged and questioned. In order to make the construction of social credit system in our country ready and smooth to the future, we must also make hard research and analysis work. This paper is divided into four chapters. The first chapter is the personal credit information and its basic content. It mainly explains the concepts related to personal credit information, introduces the basic content of personal credit information and the importance of establishing personal credit system. The second chapter introduces the development history of the ancient and modern personal credit system from the perspective of the ancient credit system, and expounds the problems existing in the current personal credit system. The third chapter analyzes the personal credit system from the aspects of law and social science, mainly from three angles, namely, the perspective of law and economics analysis, sociology of law and constitutional analysis. The necessity of establishing personal credit system is demonstrated. Chapter four puts forward four suggestions to establish and perfect the personal credit system in China. By perfecting the system of personal credit investigation, we can remove people's doubts about personal credit, promote the free flow of information and information sharing, realize the effective supervision of credit market by the government, and urge the main body of the market to pay attention to their own credit. Avoid dishonesty.
【学位授予单位】：西北师范大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D920.0

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